CNCBI Jewel World Mastercard

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	1.5%	Conditions and calculation The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Limit: 1000 HKD · Per Month Limit applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. Application, registration or activation required. See conditions. Applies to all eligible spending, subject to the conditions. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. Assumes the full reward limit is still available. Total cash rebate per calendar month, based on the transaction date on the card statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. CNCBI Jewel World Mastercard Payroll 1.5% Total Cash Rebate: 1.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Amount: 1000 · Applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Application or registration is required. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. 1.5% Cash Rebate Rewards Program: 2026-07-01 – 2026-12-31 Open source offer ↗
Fine dining	1.5%	Conditions and calculation The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Limit: 1000 HKD · Per Month Limit applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. Application, registration or activation required. See conditions. Applies to all eligible spending, subject to the conditions. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. Assumes the full reward limit is still available. Total cash rebate per calendar month, based on the transaction date on the card statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. CNCBI Jewel World Mastercard Payroll 1.5% Total Cash Rebate: 1.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Amount: 1000 · Applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Application or registration is required. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. 1.5% Cash Rebate Rewards Program: 2026-07-01 – 2026-12-31 Open source offer ↗
Local dining	1.5%	Conditions and calculation The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Limit: 1000 HKD · Per Month Limit applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. Application, registration or activation required. See conditions. Applies to all eligible spending, subject to the conditions. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. Assumes the full reward limit is still available. Total cash rebate per calendar month, based on the transaction date on the card statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. CNCBI Jewel World Mastercard Payroll 1.5% Total Cash Rebate: 1.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Amount: 1000 · Applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Application or registration is required. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. 1.5% Cash Rebate Rewards Program: 2026-07-01 – 2026-12-31 Open source offer ↗
Fast food	1.5%	Conditions and calculation The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Limit: 1000 HKD · Per Month Limit applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. Application, registration or activation required. See conditions. Applies to all eligible spending, subject to the conditions. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. Assumes the full reward limit is still available. Total cash rebate per calendar month, based on the transaction date on the card statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. CNCBI Jewel World Mastercard Payroll 1.5% Total Cash Rebate: 1.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Amount: 1000 · Applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Application or registration is required. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. 1.5% Cash Rebate Rewards Program: 2026-07-01 – 2026-12-31 Open source offer ↗
Food delivery	1.5%	Conditions and calculation The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Limit: 1000 HKD · Per Month Limit applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. Application, registration or activation required. See conditions. Applies to all eligible spending, subject to the conditions. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. Assumes the full reward limit is still available. Total cash rebate per calendar month, based on the transaction date on the card statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. CNCBI Jewel World Mastercard Payroll 1.5% Total Cash Rebate: 1.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Amount: 1000 · Applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Application or registration is required. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. 1.5% Cash Rebate Rewards Program: 2026-07-01 – 2026-12-31 Open source offer ↗
Cafés, bakeries and desserts	1.5%	Conditions and calculation The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Limit: 1000 HKD · Per Month Limit applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. Application, registration or activation required. See conditions. Applies to all eligible spending, subject to the conditions. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. Assumes the full reward limit is still available. Total cash rebate per calendar month, based on the transaction date on the card statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. CNCBI Jewel World Mastercard Payroll 1.5% Total Cash Rebate: 1.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Amount: 1000 · Applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Application or registration is required. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. 1.5% Cash Rebate Rewards Program: 2026-07-01 – 2026-12-31 Open source offer ↗
Groceries	1.5%	Conditions and calculation The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Limit: 1000 HKD · Per Month Limit applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. Application, registration or activation required. See conditions. Applies to all eligible spending, subject to the conditions. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. Assumes the full reward limit is still available. Total cash rebate per calendar month, based on the transaction date on the card statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. CNCBI Jewel World Mastercard Payroll 1.5% Total Cash Rebate: 1.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Amount: 1000 · Applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Application or registration is required. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. 1.5% Cash Rebate Rewards Program: 2026-07-01 – 2026-12-31 Open source offer ↗
Markets	1.5%	Conditions and calculation The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Limit: 1000 HKD · Per Month Limit applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. Application, registration or activation required. See conditions. Applies to all eligible spending, subject to the conditions. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. Assumes the full reward limit is still available. Total cash rebate per calendar month, based on the transaction date on the card statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. CNCBI Jewel World Mastercard Payroll 1.5% Total Cash Rebate: 1.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Amount: 1000 · Applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Application or registration is required. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. 1.5% Cash Rebate Rewards Program: 2026-07-01 – 2026-12-31 Open source offer ↗
Supermarkets	1.5%	Conditions and calculation The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Limit: 1000 HKD · Per Month Limit applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. Application, registration or activation required. See conditions. Applies to all eligible spending, subject to the conditions. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. Assumes the full reward limit is still available. Total cash rebate per calendar month, based on the transaction date on the card statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. CNCBI Jewel World Mastercard Payroll 1.5% Total Cash Rebate: 1.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Amount: 1000 · Applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Application or registration is required. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. 1.5% Cash Rebate Rewards Program: 2026-07-01 – 2026-12-31 Open source offer ↗
Convenience stores	1.5%	Conditions and calculation The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Limit: 1000 HKD · Per Month Limit applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. Application, registration or activation required. See conditions. Applies to all eligible spending, subject to the conditions. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. Assumes the full reward limit is still available. Total cash rebate per calendar month, based on the transaction date on the card statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. CNCBI Jewel World Mastercard Payroll 1.5% Total Cash Rebate: 1.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Amount: 1000 · Applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Application or registration is required. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. 1.5% Cash Rebate Rewards Program: 2026-07-01 – 2026-12-31 Open source offer ↗
Shopping	1.5%	Conditions and calculation The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Limit: 1000 HKD · Per Month Limit applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. Application, registration or activation required. See conditions. Applies to all eligible spending, subject to the conditions. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. Assumes the full reward limit is still available. Total cash rebate per calendar month, based on the transaction date on the card statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. CNCBI Jewel World Mastercard Payroll 1.5% Total Cash Rebate: 1.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Amount: 1000 · Applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Application or registration is required. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. 1.5% Cash Rebate Rewards Program: 2026-07-01 – 2026-12-31 Open source offer ↗
Fashion	1.5%	Conditions and calculation The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Limit: 1000 HKD · Per Month Limit applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. Application, registration or activation required. See conditions. Applies to all eligible spending, subject to the conditions. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. Assumes the full reward limit is still available. Total cash rebate per calendar month, based on the transaction date on the card statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. CNCBI Jewel World Mastercard Payroll 1.5% Total Cash Rebate: 1.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Amount: 1000 · Applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Application or registration is required. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. 1.5% Cash Rebate Rewards Program: 2026-07-01 – 2026-12-31 Open source offer ↗
Sports and outdoors	1.5%	Conditions and calculation The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Limit: 1000 HKD · Per Month Limit applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. Application, registration or activation required. See conditions. Applies to all eligible spending, subject to the conditions. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. Assumes the full reward limit is still available. Total cash rebate per calendar month, based on the transaction date on the card statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. CNCBI Jewel World Mastercard Payroll 1.5% Total Cash Rebate: 1.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Amount: 1000 · Applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Application or registration is required. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. 1.5% Cash Rebate Rewards Program: 2026-07-01 – 2026-12-31 Open source offer ↗
Department stores	1.5%	Conditions and calculation The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Limit: 1000 HKD · Per Month Limit applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. Application, registration or activation required. See conditions. Applies to all eligible spending, subject to the conditions. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. Assumes the full reward limit is still available. Total cash rebate per calendar month, based on the transaction date on the card statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. CNCBI Jewel World Mastercard Payroll 1.5% Total Cash Rebate: 1.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Amount: 1000 · Applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Application or registration is required. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. 1.5% Cash Rebate Rewards Program: 2026-07-01 – 2026-12-31 Open source offer ↗
Electronics	1.5%	Conditions and calculation The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Limit: 1000 HKD · Per Month Limit applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. Application, registration or activation required. See conditions. Applies to all eligible spending, subject to the conditions. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. Assumes the full reward limit is still available. Total cash rebate per calendar month, based on the transaction date on the card statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. CNCBI Jewel World Mastercard Payroll 1.5% Total Cash Rebate: 1.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Amount: 1000 · Applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Application or registration is required. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. 1.5% Cash Rebate Rewards Program: 2026-07-01 – 2026-12-31 Open source offer ↗
Home and furniture	1.5%	Conditions and calculation The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Limit: 1000 HKD · Per Month Limit applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. Application, registration or activation required. See conditions. Applies to all eligible spending, subject to the conditions. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. Assumes the full reward limit is still available. Total cash rebate per calendar month, based on the transaction date on the card statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. CNCBI Jewel World Mastercard Payroll 1.5% Total Cash Rebate: 1.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Amount: 1000 · Applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Application or registration is required. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. 1.5% Cash Rebate Rewards Program: 2026-07-01 – 2026-12-31 Open source offer ↗
Jewellery and watches	1.5%	Conditions and calculation The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Limit: 1000 HKD · Per Month Limit applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. Application, registration or activation required. See conditions. Applies to all eligible spending, subject to the conditions. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. Assumes the full reward limit is still available. Total cash rebate per calendar month, based on the transaction date on the card statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. CNCBI Jewel World Mastercard Payroll 1.5% Total Cash Rebate: 1.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Amount: 1000 · Applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Application or registration is required. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. 1.5% Cash Rebate Rewards Program: 2026-07-01 – 2026-12-31 Open source offer ↗
Books and stationery	1.5%	Conditions and calculation The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Limit: 1000 HKD · Per Month Limit applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. Application, registration or activation required. See conditions. Applies to all eligible spending, subject to the conditions. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. Assumes the full reward limit is still available. Total cash rebate per calendar month, based on the transaction date on the card statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. CNCBI Jewel World Mastercard Payroll 1.5% Total Cash Rebate: 1.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Amount: 1000 · Applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Application or registration is required. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. 1.5% Cash Rebate Rewards Program: 2026-07-01 – 2026-12-31 Open source offer ↗
Pet supplies	1.5%	Conditions and calculation The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Limit: 1000 HKD · Per Month Limit applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. Application, registration or activation required. See conditions. Applies to all eligible spending, subject to the conditions. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. Assumes the full reward limit is still available. Total cash rebate per calendar month, based on the transaction date on the card statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. CNCBI Jewel World Mastercard Payroll 1.5% Total Cash Rebate: 1.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Amount: 1000 · Applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Application or registration is required. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. 1.5% Cash Rebate Rewards Program: 2026-07-01 – 2026-12-31 Open source offer ↗
Online shopping	1.5%	Conditions and calculation The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Limit: 1000 HKD · Per Month Limit applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. Application, registration or activation required. See conditions. Applies to all eligible spending, subject to the conditions. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. Assumes the full reward limit is still available. Total cash rebate per calendar month, based on the transaction date on the card statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. CNCBI Jewel World Mastercard Payroll 1.5% Total Cash Rebate: 1.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Amount: 1000 · Applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Application or registration is required. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. 1.5% Cash Rebate Rewards Program: 2026-07-01 – 2026-12-31 Open source offer ↗
Overseas online shopping	1.5%	Conditions and calculation The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Limit: 1000 HKD · Per Month Limit applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. Application, registration or activation required. See conditions. Applies to all eligible spending, subject to the conditions. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. Assumes the full reward limit is still available. Total cash rebate per calendar month, based on the transaction date on the card statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. CNCBI Jewel World Mastercard Payroll 1.5% Total Cash Rebate: 1.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Amount: 1000 · Applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Application or registration is required. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. 1.5% Cash Rebate Rewards Program: 2026-07-01 – 2026-12-31 Open source offer ↗
Local online shopping	1.5%	Conditions and calculation The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Limit: 1000 HKD · Per Month Limit applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. Application, registration or activation required. See conditions. Applies to all eligible spending, subject to the conditions. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. Assumes the full reward limit is still available. Total cash rebate per calendar month, based on the transaction date on the card statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. CNCBI Jewel World Mastercard Payroll 1.5% Total Cash Rebate: 1.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Amount: 1000 · Applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Application or registration is required. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. 1.5% Cash Rebate Rewards Program: 2026-07-01 – 2026-12-31 Open source offer ↗
Online groceries	1.5%	Conditions and calculation The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Limit: 1000 HKD · Per Month Limit applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. Application, registration or activation required. See conditions. Applies to all eligible spending, subject to the conditions. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. Assumes the full reward limit is still available. Total cash rebate per calendar month, based on the transaction date on the card statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. CNCBI Jewel World Mastercard Payroll 1.5% Total Cash Rebate: 1.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Amount: 1000 · Applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Application or registration is required. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. 1.5% Cash Rebate Rewards Program: 2026-07-01 – 2026-12-31 Open source offer ↗
Online fashion and sports	1.5%	Conditions and calculation The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Limit: 1000 HKD · Per Month Limit applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. Application, registration or activation required. See conditions. Applies to all eligible spending, subject to the conditions. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. Assumes the full reward limit is still available. Total cash rebate per calendar month, based on the transaction date on the card statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. CNCBI Jewel World Mastercard Payroll 1.5% Total Cash Rebate: 1.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Amount: 1000 · Applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Application or registration is required. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. 1.5% Cash Rebate Rewards Program: 2026-07-01 – 2026-12-31 Open source offer ↗
Transport	1.5%	Conditions and calculation The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Limit: 1000 HKD · Per Month Limit applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. Application, registration or activation required. See conditions. Applies to all eligible spending, subject to the conditions. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. Assumes the full reward limit is still available. Total cash rebate per calendar month, based on the transaction date on the card statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. CNCBI Jewel World Mastercard Payroll 1.5% Total Cash Rebate: 1.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Amount: 1000 · Applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Application or registration is required. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. 1.5% Cash Rebate Rewards Program: 2026-07-01 – 2026-12-31 Open source offer ↗
Local transport	1.5%	Conditions and calculation The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Limit: 1000 HKD · Per Month Limit applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. Application, registration or activation required. See conditions. Applies to all eligible spending, subject to the conditions. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. Assumes the full reward limit is still available. Total cash rebate per calendar month, based on the transaction date on the card statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. CNCBI Jewel World Mastercard Payroll 1.5% Total Cash Rebate: 1.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Amount: 1000 · Applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Application or registration is required. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. 1.5% Cash Rebate Rewards Program: 2026-07-01 – 2026-12-31 Open source offer ↗
Parking	1.5%	Conditions and calculation The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Limit: 1000 HKD · Per Month Limit applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. Application, registration or activation required. See conditions. Applies to all eligible spending, subject to the conditions. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. Assumes the full reward limit is still available. Total cash rebate per calendar month, based on the transaction date on the card statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. CNCBI Jewel World Mastercard Payroll 1.5% Total Cash Rebate: 1.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Amount: 1000 · Applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Application or registration is required. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. 1.5% Cash Rebate Rewards Program: 2026-07-01 – 2026-12-31 Open source offer ↗
Fuel and EV charging	1.5%	Conditions and calculation The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Limit: 1000 HKD · Per Month Limit applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. Application, registration or activation required. See conditions. Applies to all eligible spending, subject to the conditions. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. Assumes the full reward limit is still available. Total cash rebate per calendar month, based on the transaction date on the card statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. CNCBI Jewel World Mastercard Payroll 1.5% Total Cash Rebate: 1.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Amount: 1000 · Applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Application or registration is required. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. 1.5% Cash Rebate Rewards Program: 2026-07-01 – 2026-12-31 Open source offer ↗
Taxis, rides and car rental	1.5%	Conditions and calculation The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Limit: 1000 HKD · Per Month Limit applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. Application, registration or activation required. See conditions. Applies to all eligible spending, subject to the conditions. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. Assumes the full reward limit is still available. Total cash rebate per calendar month, based on the transaction date on the card statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. CNCBI Jewel World Mastercard Payroll 1.5% Total Cash Rebate: 1.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Amount: 1000 · Applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Application or registration is required. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. 1.5% Cash Rebate Rewards Program: 2026-07-01 – 2026-12-31 Open source offer ↗
Travel	11.5%	Conditions and calculation The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Limit: 1000 HKD · Per Month Limit applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. Application, registration or activation required. See conditions. Applies to all eligible spending, subject to the conditions. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. Limit applies to: Agoda discount Merchants: agoda Eligible merchants: agoda Book via Agoda to enjoy up to 10% off. Mastercard terms apply. The HTML does not state dates, eligible bookings, or other limits; external details are unresolved. Assumes the full reward limit is still available. Total cash rebate per calendar month, based on the transaction date on the card statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. No reward limit is stated. Confirm any limits before purchase. agoda CNCBI Jewel World Mastercard Payroll 1.5% Total Cash Rebate: 1.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Amount: 1000 · Applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Application or registration is required. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. 1.5% Cash Rebate Rewards Program: 2026-07-01 – 2026-12-31 Open source offer ↗ Jewel World Mastercard Agoda Hotel Booking up to 10% Off: 10% Eligibility: Audience: all Eligible spending: Applies to: agoda · Type: merchant Benefit limit: Applies to: Agoda discount · Period: not stated · Type: not stated Book via Agoda to enjoy up to 10% off. Mastercard terms apply. The HTML does not state dates, eligible bookings, or other limits; external details are unresolved. Open source offer ↗
Hotels	11.5%	Conditions and calculation Limit applies to: Agoda discount Merchants: agoda Eligible merchants: agoda Book via Agoda to enjoy up to 10% off. Mastercard terms apply. The HTML does not state dates, eligible bookings, or other limits; external details are unresolved. The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Limit: 1000 HKD · Per Month Limit applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. Application, registration or activation required. See conditions. Applies to all eligible spending, subject to the conditions. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. No reward limit is stated. Confirm any limits before purchase. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. Assumes the full reward limit is still available. Total cash rebate per calendar month, based on the transaction date on the card statement. agoda Jewel World Mastercard Agoda Hotel Booking up to 10% Off: 10% Eligibility: Audience: all Eligible spending: Applies to: agoda · Type: merchant Benefit limit: Applies to: Agoda discount · Period: not stated · Type: not stated Book via Agoda to enjoy up to 10% off. Mastercard terms apply. The HTML does not state dates, eligible bookings, or other limits; external details are unresolved. Open source offer ↗ CNCBI Jewel World Mastercard Payroll 1.5% Total Cash Rebate: 1.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Amount: 1000 · Applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Application or registration is required. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. 1.5% Cash Rebate Rewards Program: 2026-07-01 – 2026-12-31 Open source offer ↗
Travel bookings	1.5%	Conditions and calculation The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Limit: 1000 HKD · Per Month Limit applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. Application, registration or activation required. See conditions. Applies to all eligible spending, subject to the conditions. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. Assumes the full reward limit is still available. Total cash rebate per calendar month, based on the transaction date on the card statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. CNCBI Jewel World Mastercard Payroll 1.5% Total Cash Rebate: 1.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Amount: 1000 · Applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Application or registration is required. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. 1.5% Cash Rebate Rewards Program: 2026-07-01 – 2026-12-31 Open source offer ↗
Airlines	1.5%	Conditions and calculation The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Limit: 1000 HKD · Per Month Limit applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. Application, registration or activation required. See conditions. Applies to all eligible spending, subject to the conditions. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. Assumes the full reward limit is still available. Total cash rebate per calendar month, based on the transaction date on the card statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. CNCBI Jewel World Mastercard Payroll 1.5% Total Cash Rebate: 1.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Amount: 1000 · Applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Application or registration is required. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. 1.5% Cash Rebate Rewards Program: 2026-07-01 – 2026-12-31 Open source offer ↗
Travel agencies	1.5%	Conditions and calculation The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Limit: 1000 HKD · Per Month Limit applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. Application, registration or activation required. See conditions. Applies to all eligible spending, subject to the conditions. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. Assumes the full reward limit is still available. Total cash rebate per calendar month, based on the transaction date on the card statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. CNCBI Jewel World Mastercard Payroll 1.5% Total Cash Rebate: 1.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Amount: 1000 · Applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Application or registration is required. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. 1.5% Cash Rebate Rewards Program: 2026-07-01 – 2026-12-31 Open source offer ↗
Entertainment	1.5%	Conditions and calculation The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Limit: 1000 HKD · Per Month Limit applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. Application, registration or activation required. See conditions. Applies to all eligible spending, subject to the conditions. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. Assumes the full reward limit is still available. Total cash rebate per calendar month, based on the transaction date on the card statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. CNCBI Jewel World Mastercard Payroll 1.5% Total Cash Rebate: 1.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Amount: 1000 · Applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Application or registration is required. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. 1.5% Cash Rebate Rewards Program: 2026-07-01 – 2026-12-31 Open source offer ↗
Cinemas	1.5%	Conditions and calculation The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Limit: 1000 HKD · Per Month Limit applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. Application, registration or activation required. See conditions. Applies to all eligible spending, subject to the conditions. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. Assumes the full reward limit is still available. Total cash rebate per calendar month, based on the transaction date on the card statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. CNCBI Jewel World Mastercard Payroll 1.5% Total Cash Rebate: 1.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Amount: 1000 · Applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Application or registration is required. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. 1.5% Cash Rebate Rewards Program: 2026-07-01 – 2026-12-31 Open source offer ↗
Games	1.5%	Conditions and calculation The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Limit: 1000 HKD · Per Month Limit applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. Application, registration or activation required. See conditions. Applies to all eligible spending, subject to the conditions. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. Assumes the full reward limit is still available. Total cash rebate per calendar month, based on the transaction date on the card statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. CNCBI Jewel World Mastercard Payroll 1.5% Total Cash Rebate: 1.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Amount: 1000 · Applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Application or registration is required. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. 1.5% Cash Rebate Rewards Program: 2026-07-01 – 2026-12-31 Open source offer ↗
Streaming	1.5%	Conditions and calculation The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Limit: 1000 HKD · Per Month Limit applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. Application, registration or activation required. See conditions. Applies to all eligible spending, subject to the conditions. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. Assumes the full reward limit is still available. Total cash rebate per calendar month, based on the transaction date on the card statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. CNCBI Jewel World Mastercard Payroll 1.5% Total Cash Rebate: 1.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Amount: 1000 · Applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Application or registration is required. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. 1.5% Cash Rebate Rewards Program: 2026-07-01 – 2026-12-31 Open source offer ↗
Theme parks and attractions	1.5%	Conditions and calculation The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Limit: 1000 HKD · Per Month Limit applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. Application, registration or activation required. See conditions. Applies to all eligible spending, subject to the conditions. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. Assumes the full reward limit is still available. Total cash rebate per calendar month, based on the transaction date on the card statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. CNCBI Jewel World Mastercard Payroll 1.5% Total Cash Rebate: 1.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Amount: 1000 · Applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Application or registration is required. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. 1.5% Cash Rebate Rewards Program: 2026-07-01 – 2026-12-31 Open source offer ↗
Concerts and tickets	1.5%	Conditions and calculation The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Limit: 1000 HKD · Per Month Limit applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. Application, registration or activation required. See conditions. Applies to all eligible spending, subject to the conditions. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. Assumes the full reward limit is still available. Total cash rebate per calendar month, based on the transaction date on the card statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. CNCBI Jewel World Mastercard Payroll 1.5% Total Cash Rebate: 1.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Amount: 1000 · Applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Application or registration is required. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. 1.5% Cash Rebate Rewards Program: 2026-07-01 – 2026-12-31 Open source offer ↗
Bills and utilities	1.5%	Conditions and calculation The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Limit: 1000 HKD · Per Month Limit applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. Application, registration or activation required. See conditions. Applies to all eligible spending, subject to the conditions. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. Assumes the full reward limit is still available. Total cash rebate per calendar month, based on the transaction date on the card statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. CNCBI Jewel World Mastercard Payroll 1.5% Total Cash Rebate: 1.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Amount: 1000 · Applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Application or registration is required. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. 1.5% Cash Rebate Rewards Program: 2026-07-01 – 2026-12-31 Open source offer ↗
Telecommunications	1.5%	Conditions and calculation The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Limit: 1000 HKD · Per Month Limit applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. Application, registration or activation required. See conditions. Applies to all eligible spending, subject to the conditions. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. Assumes the full reward limit is still available. Total cash rebate per calendar month, based on the transaction date on the card statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. CNCBI Jewel World Mastercard Payroll 1.5% Total Cash Rebate: 1.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Amount: 1000 · Applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Application or registration is required. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. 1.5% Cash Rebate Rewards Program: 2026-07-01 – 2026-12-31 Open source offer ↗
Government payments
Electricity and gas	1.5%	Conditions and calculation The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Limit: 1000 HKD · Per Month Limit applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. Application, registration or activation required. See conditions. Applies to all eligible spending, subject to the conditions. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. Assumes the full reward limit is still available. Total cash rebate per calendar month, based on the transaction date on the card statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. CNCBI Jewel World Mastercard Payroll 1.5% Total Cash Rebate: 1.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Amount: 1000 · Applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Application or registration is required. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. 1.5% Cash Rebate Rewards Program: 2026-07-01 – 2026-12-31 Open source offer ↗
Water	1.5%	Conditions and calculation The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Limit: 1000 HKD · Per Month Limit applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. Application, registration or activation required. See conditions. Applies to all eligible spending, subject to the conditions. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. Assumes the full reward limit is still available. Total cash rebate per calendar month, based on the transaction date on the card statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. CNCBI Jewel World Mastercard Payroll 1.5% Total Cash Rebate: 1.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Amount: 1000 · Applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Application or registration is required. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. 1.5% Cash Rebate Rewards Program: 2026-07-01 – 2026-12-31 Open source offer ↗
Health and wellness	1.5%	Conditions and calculation The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Limit: 1000 HKD · Per Month Limit applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. Application, registration or activation required. See conditions. Applies to all eligible spending, subject to the conditions. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. Assumes the full reward limit is still available. Total cash rebate per calendar month, based on the transaction date on the card statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. CNCBI Jewel World Mastercard Payroll 1.5% Total Cash Rebate: 1.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Amount: 1000 · Applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Application or registration is required. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. 1.5% Cash Rebate Rewards Program: 2026-07-01 – 2026-12-31 Open source offer ↗
Medical services	1.5%	Conditions and calculation The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Limit: 1000 HKD · Per Month Limit applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. Application, registration or activation required. See conditions. Applies to all eligible spending, subject to the conditions. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. Assumes the full reward limit is still available. Total cash rebate per calendar month, based on the transaction date on the card statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. CNCBI Jewel World Mastercard Payroll 1.5% Total Cash Rebate: 1.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Amount: 1000 · Applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Application or registration is required. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. 1.5% Cash Rebate Rewards Program: 2026-07-01 – 2026-12-31 Open source offer ↗
Pharmacies and supplements	1.5%	Conditions and calculation The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Limit: 1000 HKD · Per Month Limit applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. Application, registration or activation required. See conditions. Applies to all eligible spending, subject to the conditions. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. Assumes the full reward limit is still available. Total cash rebate per calendar month, based on the transaction date on the card statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. CNCBI Jewel World Mastercard Payroll 1.5% Total Cash Rebate: 1.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Amount: 1000 · Applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Application or registration is required. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. 1.5% Cash Rebate Rewards Program: 2026-07-01 – 2026-12-31 Open source offer ↗
Fitness	1.5%	Conditions and calculation The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Limit: 1000 HKD · Per Month Limit applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. Application, registration or activation required. See conditions. Applies to all eligible spending, subject to the conditions. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. Assumes the full reward limit is still available. Total cash rebate per calendar month, based on the transaction date on the card statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. CNCBI Jewel World Mastercard Payroll 1.5% Total Cash Rebate: 1.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Amount: 1000 · Applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Application or registration is required. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. 1.5% Cash Rebate Rewards Program: 2026-07-01 – 2026-12-31 Open source offer ↗
Beauty and personal care	1.5%	Conditions and calculation The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Limit: 1000 HKD · Per Month Limit applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. Application, registration or activation required. See conditions. Applies to all eligible spending, subject to the conditions. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. Assumes the full reward limit is still available. Total cash rebate per calendar month, based on the transaction date on the card statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. CNCBI Jewel World Mastercard Payroll 1.5% Total Cash Rebate: 1.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Amount: 1000 · Applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Application or registration is required. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. 1.5% Cash Rebate Rewards Program: 2026-07-01 – 2026-12-31 Open source offer ↗
Education	1.5%	Conditions and calculation The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Limit: 1000 HKD · Per Month Limit applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. Application, registration or activation required. See conditions. Applies to all eligible spending, subject to the conditions. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. Assumes the full reward limit is still available. Total cash rebate per calendar month, based on the transaction date on the card statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. CNCBI Jewel World Mastercard Payroll 1.5% Total Cash Rebate: 1.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Amount: 1000 · Applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Application or registration is required. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. 1.5% Cash Rebate Rewards Program: 2026-07-01 – 2026-12-31 Open source offer ↗
Tuition and courses	1.5%	Conditions and calculation The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Limit: 1000 HKD · Per Month Limit applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. Application, registration or activation required. See conditions. Applies to all eligible spending, subject to the conditions. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. Assumes the full reward limit is still available. Total cash rebate per calendar month, based on the transaction date on the card statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. CNCBI Jewel World Mastercard Payroll 1.5% Total Cash Rebate: 1.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Amount: 1000 · Applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Application or registration is required. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. 1.5% Cash Rebate Rewards Program: 2026-07-01 – 2026-12-31 Open source offer ↗
Overseas spending	1.5%	Conditions and calculation The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Limit: 1000 HKD · Per Month Limit applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. Application, registration or activation required. See conditions. Applies to all eligible spending, subject to the conditions. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. Assumes the full reward limit is still available. Total cash rebate per calendar month, based on the transaction date on the card statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. CNCBI Jewel World Mastercard Payroll 1.5% Total Cash Rebate: 1.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Amount: 1000 · Applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Application or registration is required. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. 1.5% Cash Rebate Rewards Program: 2026-07-01 – 2026-12-31 Open source offer ↗
Mainland China spending	1.5%	Conditions and calculation The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Limit: 1000 HKD · Per Month Limit applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. Application, registration or activation required. See conditions. Applies to all eligible spending, subject to the conditions. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. Assumes the full reward limit is still available. Total cash rebate per calendar month, based on the transaction date on the card statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. CNCBI Jewel World Mastercard Payroll 1.5% Total Cash Rebate: 1.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Amount: 1000 · Applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Application or registration is required. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. 1.5% Cash Rebate Rewards Program: 2026-07-01 – 2026-12-31 Open source offer ↗
Macau spending	1.5%	Conditions and calculation The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Limit: 1000 HKD · Per Month Limit applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. Application, registration or activation required. See conditions. Applies to all eligible spending, subject to the conditions. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. Assumes the full reward limit is still available. Total cash rebate per calendar month, based on the transaction date on the card statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. CNCBI Jewel World Mastercard Payroll 1.5% Total Cash Rebate: 1.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Amount: 1000 · Applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Application or registration is required. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. 1.5% Cash Rebate Rewards Program: 2026-07-01 – 2026-12-31 Open source offer ↗
E-wallet spending	1.5%	Conditions and calculation The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Limit: 1000 HKD · Per Month Limit applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. Application, registration or activation required. See conditions. Applies to all eligible spending, subject to the conditions. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. Assumes the full reward limit is still available. Total cash rebate per calendar month, based on the transaction date on the card statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. CNCBI Jewel World Mastercard Payroll 1.5% Total Cash Rebate: 1.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Amount: 1000 · Applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Application or registration is required. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. 1.5% Cash Rebate Rewards Program: 2026-07-01 – 2026-12-31 Open source offer ↗
E-wallet top-ups	1.5%	Conditions and calculation The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Limit: 1000 HKD · Per Month Limit applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. Application, registration or activation required. See conditions. Applies to all eligible spending, subject to the conditions. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. Assumes the full reward limit is still available. Total cash rebate per calendar month, based on the transaction date on the card statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. CNCBI Jewel World Mastercard Payroll 1.5% Total Cash Rebate: 1.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Amount: 1000 · Applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Application or registration is required. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. 1.5% Cash Rebate Rewards Program: 2026-07-01 – 2026-12-31 Open source offer ↗
WeChat Pay
AlipayHK
Octopus	1.5%	Conditions and calculation The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Limit: 1000 HKD · Per Month Limit applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. Application, registration or activation required. See conditions. Applies to all eligible spending, subject to the conditions. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. Assumes the full reward limit is still available. Total cash rebate per calendar month, based on the transaction date on the card statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. CNCBI Jewel World Mastercard Payroll 1.5% Total Cash Rebate: 1.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Amount: 1000 · Applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Application or registration is required. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. 1.5% Cash Rebate Rewards Program: 2026-07-01 – 2026-12-31 Open source offer ↗
PayMe	1.5%	Conditions and calculation The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Limit: 1000 HKD · Per Month Limit applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. Application, registration or activation required. See conditions. Applies to all eligible spending, subject to the conditions. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. Assumes the full reward limit is still available. Total cash rebate per calendar month, based on the transaction date on the card statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. CNCBI Jewel World Mastercard Payroll 1.5% Total Cash Rebate: 1.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Amount: 1000 · Applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Application or registration is required. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. 1.5% Cash Rebate Rewards Program: 2026-07-01 – 2026-12-31 Open source offer ↗
Mobile payments	1.5%	Conditions and calculation The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Limit: 1000 HKD · Per Month Limit applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. Application, registration or activation required. See conditions. Applies to all eligible spending, subject to the conditions. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. Assumes the full reward limit is still available. Total cash rebate per calendar month, based on the transaction date on the card statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. CNCBI Jewel World Mastercard Payroll 1.5% Total Cash Rebate: 1.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Amount: 1000 · Applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Application or registration is required. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. 1.5% Cash Rebate Rewards Program: 2026-07-01 – 2026-12-31 Open source offer ↗
Google Pay	1.5%	Conditions and calculation The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Limit: 1000 HKD · Per Month Limit applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. Application, registration or activation required. See conditions. Applies to all eligible spending, subject to the conditions. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. Assumes the full reward limit is still available. Total cash rebate per calendar month, based on the transaction date on the card statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. CNCBI Jewel World Mastercard Payroll 1.5% Total Cash Rebate: 1.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Amount: 1000 · Applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Application or registration is required. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. 1.5% Cash Rebate Rewards Program: 2026-07-01 – 2026-12-31 Open source offer ↗
Apple Pay	1.5%	Conditions and calculation The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Limit: 1000 HKD · Per Month Limit applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. Application, registration or activation required. See conditions. Applies to all eligible spending, subject to the conditions. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. Assumes the full reward limit is still available. Total cash rebate per calendar month, based on the transaction date on the card statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. CNCBI Jewel World Mastercard Payroll 1.5% Total Cash Rebate: 1.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Amount: 1000 · Applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Application or registration is required. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. 1.5% Cash Rebate Rewards Program: 2026-07-01 – 2026-12-31 Open source offer ↗
Samsung Pay	1.5%	Conditions and calculation The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Limit: 1000 HKD · Per Month Limit applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. Application, registration or activation required. See conditions. Applies to all eligible spending, subject to the conditions. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. Assumes the full reward limit is still available. Total cash rebate per calendar month, based on the transaction date on the card statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. CNCBI Jewel World Mastercard Payroll 1.5% Total Cash Rebate: 1.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Amount: 1000 · Applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Application or registration is required. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. 1.5% Cash Rebate Rewards Program: 2026-07-01 – 2026-12-31 Open source offer ↗
Insurance	0.4%	Conditions and calculation The terms state that the current basic cash rebate rate is 0.4%. Limit applies to: The source states a monthly maximum based on the approved credit limit, but gives no fixed amount. Applies to all eligible spending, subject to the conditions. Applies to CNCBI Jewel World Mastercard accounts designated by the Bank. Eligible posted transactions include retail purchases, cash advances, monthly repayments of Merchant Instalment Plans and Retail Purchase Interest-free Flexi Installment Plans, autopay, and mail or phone retail orders. Exclusions include balance transfers, Cash-in Programs, personal installment loans, statement-balance or other listed installment repayments, unit-trust and monthly-investment payments, tax payments, casino chips, annual fees, finance charges, other service charges, Octopus add-value, ATM or online-banking payments, and unposted, cancelled, refunded or invalid transactions. The monthly maximum is the member's approved credit limit multiplied by 0.4%; a temporary credit limit does not count. The rebate is calculated at the statement date and credited in the next statement. The account must remain valid and in good credit standing when the rebate is given. Supplementary-card rebates are calculated separately from the principal account. The rebate can settle new eligible transactions only. It cannot settle other outstanding balances or be redeemed for cash. When the 1.5% payroll program applies, its stated total includes the basic 0.4% rebate. Do not add 0.4% to 1.5% on the same transaction. No reward limit is stated. Confirm any limits before purchase. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. CNCBI Jewel World Mastercard 0.4% Basic Cash Rebate: 0.4% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Applies to: The source states a monthly maximum based on the approved credit limit, but gives no fixed amount. · Period: not stated · Type: not stated Percentage note: The terms state that the current basic cash rebate rate is 0.4%. Applies to CNCBI Jewel World Mastercard accounts designated by the Bank. Eligible posted transactions include retail purchases, cash advances, monthly repayments of Merchant Instalment Plans and Retail Purchase Interest-free Flexi Installment Plans, autopay, and mail or phone retail orders. Exclusions include balance transfers, Cash-in Programs, personal installment loans, statement-balance or other listed installment repayments, unit-trust and monthly-investment payments, tax payments, casino chips, annual fees, finance charges, other service charges, Octopus add-value, ATM or online-banking payments, and unposted, cancelled, refunded or invalid transactions. The monthly maximum is the member's approved credit limit multiplied by 0.4%; a temporary credit limit does not count. The rebate is calculated at the statement date and credited in the next statement. The account must remain valid and in good credit standing when the rebate is given. Supplementary-card rebates are calculated separately from the principal account. The rebate can settle new eligible transactions only. It cannot settle other outstanding balances or be redeemed for cash. When the 1.5% payroll program applies, its stated total includes the basic 0.4% rebate. Do not add 0.4% to 1.5% on the same transaction. Open source offer ↗
Rent	1.5%	Conditions and calculation The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Limit: 1000 HKD · Per Month Limit applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. Application, registration or activation required. See conditions. Applies to all eligible spending, subject to the conditions. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. Assumes the full reward limit is still available. Total cash rebate per calendar month, based on the transaction date on the card statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. CNCBI Jewel World Mastercard Payroll 1.5% Total Cash Rebate: 1.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Amount: 1000 · Applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Application or registration is required. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. 1.5% Cash Rebate Rewards Program: 2026-07-01 – 2026-12-31 Open source offer ↗
Charitable donations	1.5%	Conditions and calculation The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Limit: 1000 HKD · Per Month Limit applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. Application, registration or activation required. See conditions. Applies to all eligible spending, subject to the conditions. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. Assumes the full reward limit is still available. Total cash rebate per calendar month, based on the transaction date on the card statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. CNCBI Jewel World Mastercard Payroll 1.5% Total Cash Rebate: 1.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Amount: 1000 · Applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Application or registration is required. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. 1.5% Cash Rebate Rewards Program: 2026-07-01 – 2026-12-31 Open source offer ↗
Loans and installments	1.5%	Conditions and calculation The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Limit: 1000 HKD · Per Month Limit applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. Application, registration or activation required. See conditions. Applies to all eligible spending, subject to the conditions. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. Assumes the full reward limit is still available. Total cash rebate per calendar month, based on the transaction date on the card statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. CNCBI Jewel World Mastercard Payroll 1.5% Total Cash Rebate: 1.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Amount: 1000 · Applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Application or registration is required. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. 1.5% Cash Rebate Rewards Program: 2026-07-01 – 2026-12-31 Open source offer ↗
Other	1.5%	Conditions and calculation The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Limit: 1000 HKD · Per Month Limit applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. Application, registration or activation required. See conditions. Applies to all eligible spending, subject to the conditions. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. Assumes the full reward limit is still available. Total cash rebate per calendar month, based on the transaction date on the card statement. Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase. CNCBI Jewel World Mastercard Payroll 1.5% Total Cash Rebate: 1.5% Eligibility: Audience: all Eligible spending: Type: all Benefit limit: Amount: 1000 · Applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. · Currency: HKD · Period: per month · Type: limited · Unit: currency Percentage note: The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards. Application or registration is required. Applies to the principal CNCBI Jewel World Mastercard. The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period. If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account. Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders. Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions. The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month. The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash. The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated. The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month. 1.5% Cash Rebate Rewards Program: 2026-07-01 – 2026-12-31 Open source offer ↗

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

Promotion offers (4)

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 ↗

信銀國際Jewel World Mastercard優越禮遇及生活體驗（優惠值未列明）

—Value not stated

Lifestyle

Eligibility: Audience: all
Eligible spending: Type: not applicable
Benefit limit: Applies to: 此優惠 · Period: not stated · Type: not stated
來源只列明優越禮遇和生活體驗，未列明優惠值。

Jewel World Mastercard Agoda Hotel Booking up to 10% Off

Up to10%saving

Discount

Eligibility: Audience: all
Eligible spending: Applies to: agoda · Type: merchant
Benefit limit: Applies to: Agoda discount · Period: not stated · Type: not stated
Book via Agoda to enjoy up to 10% off. Mastercard terms apply. The HTML does not state dates, eligible bookings, or other limits; external details are unresolved.

Open source offer ↗

Credit card offers (19)

CNCBI Jewel World Mastercard 0.4% Basic Cash Rebate

0.4%saving

Cashback

Eligibility: Audience: all
Eligible spending: Type: all
Benefit limit: Applies to: The source states a monthly maximum based on the approved credit limit, but gives no fixed amount. · Period: not stated · Type: not stated
Percentage note: The terms state that the current basic cash rebate rate is 0.4%.
Applies to CNCBI Jewel World Mastercard accounts designated by the Bank.
Eligible posted transactions include retail purchases, cash advances, monthly repayments of Merchant Instalment Plans and Retail Purchase Interest-free Flexi Installment Plans, autopay, and mail or phone retail orders.
Exclusions include balance transfers, Cash-in Programs, personal installment loans, statement-balance or other listed installment repayments, unit-trust and monthly-investment payments, tax payments, casino chips, annual fees, finance charges, other service charges, Octopus add-value, ATM or online-banking payments, and unposted, cancelled, refunded or invalid transactions.
The monthly maximum is the member's approved credit limit multiplied by 0.4%; a temporary credit limit does not count. The rebate is calculated at the statement date and credited in the next statement.
The account must remain valid and in good credit standing when the rebate is given. Supplementary-card rebates are calculated separately from the principal account.
The rebate can settle new eligible transactions only. It cannot settle other outstanding balances or be redeemed for cash.
When the 1.5% payroll program applies, its stated total includes the basic 0.4% rebate. Do not add 0.4% to 1.5% on the same transaction.

Open source offer ↗

CNCBI Jewel World Mastercard Payroll 1.5% Total Cash Rebate

1.5%saving

Conditions applyCashbackPeriod LimitedCap: HK$1,000.00 · per month

Eligibility: Audience: all
Eligible spending: Type: all
Benefit limit: Amount: 1000 · Applies to: Total cash rebate per calendar month, based on the transaction date on the card statement. · Currency: HKD · Period: per month · Type: limited · Unit: currency
Percentage note: The 1.5% total includes the basic 0.4% rebate and the extra 1.1%; do not count the components as separate rewards.
Application or registration is required.
Applies to the principal CNCBI Jewel World Mastercard.
The cardmember must arrange monthly salary payments of at least HK$12,000 through Automated Payroll Payments to a sole-name PAYROLLplus account. The account must be registered as the payroll account and maintained and used during the promotion period.
If automated payroll payments stop for 3 consecutive months, the account stops qualifying as a PAYROLLplus account.
Eligible transactions are posted local or overseas retail purchases, online purchases, and mail or phone orders.
Exclusions include e-wallet and person-to-person payments, FPS, autopay, bills, Octopus add-value, balance transfers, instalment and loan repayments, fees, investments, insurance, tax payments, casino chips, fund transfers, and unposted, cancelled, refunded, invalid or unauthorized transactions. The Bank may specify other exclusions.
The Bank decides transaction eligibility. It may debit a rebate if a transaction is later found ineligible. The rebate is rounded up to HK$0.01 and credited within 4 months after the transaction month.
The rebate can offset new retail purchases only. It cannot pay an outstanding statement balance or be transferred or redeemed for cash.
The card account must remain valid and in good standing when the rebate is awarded. The offer cannot be combined with other promotions unless stated.
The HTML describes the total as 0.4% basic plus 1.1% extra. The extra 1.1% requires a registered PAYROLLplus account and at least HK$12,000 salary deposited through Automated Payroll Payments in the qualifying month.
1.5% Cash Rebate Rewards Program: 2026-07-01 – 2026-12-31

Open source offer ↗

Jewel World Mastercard Restaurant Dining Offers（優惠值未列明）

—Value not stated

Lifestyle

Eligibility: Audience: all
Eligible spending: Applies to: 餐飲 · Type: category
Benefit limit: Applies to: Dining offers · Period: not stated · Type: not stated
The complete list of eligible merchants is not available.
The page offers dining privileges at a wide range of restaurants, including LUBUDS Group brands. Mastercard terms apply. The HTML gives no specific saving, venue list, dates, or eligibility details. External offer details are linked and unresolved.

Open source offer ↗

Jewel World Mastercard Travel Insurance up to US$100,000 per Trip

Up to100,000USD

Conditions applyTravelPeriod Limited

Eligibility: Audience: all
Eligible spending: Applies to: 旅遊 · Type: category
Benefit limit: Applies to: Coverage amount is stated per trip; the contract has no per trip cap period. · Period: not stated · Type: not stated
Application or registration is required.
Coverage is up to US$100,000 per trip for card holders; the page says family members may receive up to 50% coverage. Pay the entire cost of common-carrier tickets with the eligible card and complete benefit registration before the trip starts. Insurance is provided by AIG Asia Pacific Insurance Pte Ltd. Coverage scope, exclusions, indemnity limits and compensation follow the linked policy, which was not read. The Bank says it is not the insurance provider and is not liable for insurance services.
Travel Insurance Protection offer: 2026-10-26 – 2026-12-31

Open source offer ↗

CITICfirst Airport Limousine One-Way Ride at HK$350

350HKD price

Promotional PricePeriod LimitedotherCap: 2 trips · promotion total

Eligibility: Audience: other
Eligible spending: Type: not applicable
Benefit limit: Amount: 2 · Applies to: Each eligible customer; principal and supplementary cards are combined. · Period: promotion total · Type: limited · Unit: trips
The target CNCBI Jewel World Mastercard is an Eligible Credit Card. The customer must keep CITICfirst status and HK$1,000,000 or equivalent in total assets at the Bank during the service month.
Total assets are month-end balances in the customer's sole-name deposit and investment accounts.
The price is for one one-way trip per vehicle to or from a designated airport. Monthly quotas are limited and are assigned first come, first served.
The service is limited to designated airports and city-centre routes. The trip limit is 50 km, except in Singapore. Extra distance may incur a surcharge.
Book at least 3 working days ahead and no more than 90 days ahead. Use the service by 31 December 2026. The card account must be valid and in good standing when booking.
From the third booking onward, the standard fare applies. If the customer fails the CITICfirst or asset requirement, the Bank may debit the stated adjustment charge.
Service availability, route, vehicle, luggage, safety, and cancellation limits apply. The service cannot be exchanged for cash.
Only for a CITICfirst customer who is a CNCBI Jewel World Mastercard cardmember. Preserve CITICfirst status during the service month.
One complimentary meet-and-greet service is included per airport or hotel pickup. A port or train-station meet-and-greet, or an extra meet-and-greet service, has a separate charge.
Reserve at least 3 working days ahead and no more than 90 days ahead. Use the service by 2026-12-31. Monthly quotas are first come, first served.
CITICfirst Airport Limousine Service: 2026-01-01 – 2026-12-31

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Complimentary 12-Month HoteLux Elite Membership

12months quantity

Travel

Eligibility: Audience: all
Eligible spending: Type: not applicable
Benefit limit: Applies to: HoteLux Elite Membership · Period: not stated · Type: not stated
The page states complimentary 12 months of HoteLux Elite Membership. Benefits listed include complimentary breakfast, room upgrade, early check-in and late check-out; the latter three are marked subject to availability. The page also lists 1,000 HoteLux points and up to US$200 hotel dining and spa credits, represented as separate offers below. Mastercard terms apply; linked details were not read.

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Jewel World Mastercard HoteLux Elite Membership 1,000 Points

1,000HoteLux points reward

Points

Eligibility: Audience: all
Eligible spending: Type: not applicable
Benefit limit: Applies to: HoteLux points included with Elite membership · Period: not stated · Type: not stated
Percentage note: Source did not include full programme terms in the supplied files.
The page lists 1,000 HoteLux points as an Elite membership benefit. Mastercard terms apply. Eligibility, credit timing and redemption rules are not stated in this HTML; external details are unresolved.

Open source offer ↗

Jewel World Mastercard HoteLux Dining and Spa Credits up to US$200

Up to200USD reward

Gift

Eligibility: Audience: all
Eligible spending: Type: not applicable
Benefit limit: Applies to: Hotel dining and spa credits; credit period is not stated. · Period: not stated · Type: not stated
The page lists up to US$200 hotel dining and spa credits among HoteLux Elite membership benefits. Mastercard terms apply. The HTML does not state how credits are earned, used, or timed; external details are unresolved.

Open source offer ↗

Jewel World Mastercard Participating Luxury Hotel One Free Night

1hotel night quantity

Gift

Eligibility: Audience: all
Eligible spending: Applies to: 酒店 · Type: category
Benefit limit: Applies to: Participating luxury hotel offers · Period: not stated · Type: not stated
The complete list of eligible merchants is not available.
The page states one night free and other offers in a collection of participating luxury hotels. Mastercard terms apply. The HTML does not list hotels, dates, booking rules, or the other offers. External program details are unresolved.

Open source offer ↗

Jewel World Mastercard Agoda Hotel Booking up to 10% Off

Up to10%saving

Discount

Eligibility: Audience: all
Eligible spending: Applies to: agoda · Type: merchant
Benefit limit: Applies to: Agoda discount · Period: not stated · Type: not stated
Book via Agoda to enjoy up to 10% off. Mastercard terms apply. The HTML does not state dates, eligible bookings, or other limits; external details are unresolved.

Open source offer ↗

Jewel World Mastercard Golf Green Fee 50% Discount

50%saving

DiscountPeriod Limited

Eligibility: Audience: all
Eligible spending: Applies to: 運動及戶外 · Type: category
Benefit limit: Applies to: Green fee discount · Period: not stated · Type: not stated
The complete list of eligible merchants is not available.
Valid through 2026-12-31 and only for a cardholder of a CNCBI Jewel World Mastercard issued in Hong Kong. Mastercard terms apply. The page says the offer is available at 48 premium golf clubs across 15 Asia-Pacific regions; the club list and full terms are external and unresolved.
50% off Green Fee offer: Now – 2026-12-31

Open source offer ↗

CNCBI Jewel World Mastercard HK$1,000 Cash Rebate

1,000HKD saving

Conditions applyCashbackPeriod LimitedMinimum spending: HK$10,000.00

Eligibility: Audience: all · Customer status: new
Eligible spending: Type: all
Requirements: Period spend ≥: HK$10,000.00
Benefit limit: Applies to: Welcome cash rebate · Period: not stated · Type: not stated
Percentage note: 1000 / 10000 * 100 = 10% at the HK$10,000 minimum spend (no rounding change). The effective rate decreases above the minimum spend.
Application or registration is required.
One of two welcome choices for New Cardmembers who successfully apply. New Cardmember means an applicant who does not currently hold and has not cancelled any principal CNCBI credit card in the 12 months before the month of approval of the current principal-card application. Make at least HK$10,000 in Eligible Retail Transactions in the first 2 months from card issuance. Eligible Retail Transactions include local and overseas, online, and mail/phone retail transactions. Promotion ends 2026-12-31. Welcome terms are linked and unresolved.
New Cardmember welcome offer: 2026-10-26 – 2026-12-31

Open source offer ↗

CNCBI Jewel World Mastercard Welcome Reward up to M$10,000 Motion$

Up to10,000Motion$ reward

Conditions applyPointsPeriod LimitedCap: 10,000 points · promotion total

Eligibility: Audience: all · Customer status: new
Eligible spending: Type: all
Benefit limit: Amount: 10000 · Applies to: Motion$ welcome reward · Period: promotion total · Type: limited · Unit: points
Application or registration is required.
One of two welcome choices for New Cardmembers who successfully apply. The page says M$1 for each HK$1 in Eligible Retail Transactions in the first 2 months from card issuance, up to M$10,000. It also says M$10,000 can be converted to 10,000 Miles. The stated maximum is reached at HK$10,000 qualifying spend; the source describes proportional M$ accrual below that amount. New Cardmember definition and Eligible Retail Transactions rules are in Remarks items 3–4. Redemption requirements may change; linked welcome and Motion$ terms are unresolved.
New Cardmember welcome offer: 2026-10-26 – 2026-12-31

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CNCBI Cards X Hong Kong Airlines Lucky Draw: 26,000 Fortune Wings Club points

26,000Fortune Wings Club (FWC) points reward

Conditions applyPrizePeriod LimitedMinimum spending: HK$200.00Cap: 1 prize · promotion total

Eligibility: Audience: all
Eligible spending: Type: all
Minimum requirement: Period: per transaction · Spend: HK$200.00
Benefit limit: Amount: 1 · Applies to: Each Lucky Draw winner; one Lucky Draw prize maximum. · Period: promotion total · Type: limited · Unit: prize
Application or registration is required.
The target Jewel World Mastercard is eligible. Spending on any CNCBI credit card except a Business Card can earn entries. Each eligible transaction of HK$200 equivalent or more earns one chance; a qualifying foreign-currency transaction with official records earns two. CITICdiamond customers' chances are doubled.
A successful application for a principal Jewel World Mastercard during the promotion period can earn one chance if the Bank approves it by 15 February 2027. Only one chance per designated card type is allowed; CITICdiamond chances are doubled.
To receive a Lucky Draw prize, the customer must also hold a valid, separate CNCBI Hong Kong Airlines Mastercard and keep its linked FWC account valid by 15 February 2027, on the draw date of 24 February 2027, and when prizes are awarded by 31 March 2027.
The Bank draws 120 winners on 24 February 2027. Forty winners receive 26,000 FWC points each; points are credited by 31 March 2027 to the FWC account linked to the Hong Kong Airlines Mastercard.
Eligible cards must remain valid and in good standing. Each winner can receive no more than one Lucky Draw prize. Rewards are not transferable or redeemable for cash. FWC terms apply.
Lucky Draw and Top Spender Award Promotion: 2026-10-21 – 2026-12-31

CNCBI Cards X Hong Kong Airlines Lucky Draw: 36,000 Fortune Wings Club points

36,000Fortune Wings Club (FWC) points reward

Conditions applyPrizePeriod LimitedMinimum spending: HK$200.00Cap: 1 prize · promotion total

Eligibility: Audience: all
Eligible spending: Type: all
Minimum requirement: Period: per transaction · Spend: HK$200.00
Benefit limit: Amount: 1 · Applies to: Each Lucky Draw winner; one Lucky Draw prize maximum. · Period: promotion total · Type: limited · Unit: prize
Application or registration is required.
The target Jewel World Mastercard is eligible. Spending on any CNCBI credit card except a Business Card can earn entries. Each eligible transaction of HK$200 equivalent or more earns one chance; a qualifying foreign-currency transaction with official records earns two. CITICdiamond customers' chances are doubled.
A successful application for a principal Jewel World Mastercard during the promotion period can earn one chance if the Bank approves it by 15 February 2027. Only one chance per designated card type is allowed; CITICdiamond chances are doubled.
To receive a Lucky Draw prize, the customer must also hold a valid, separate CNCBI Hong Kong Airlines Mastercard and keep its linked FWC account valid by 15 February 2027, on the draw date of 24 February 2027, and when prizes are awarded by 31 March 2027.
The Bank draws 120 winners on 24 February 2027. Sixty winners receive 36,000 FWC points each; points are credited by 31 March 2027 to the FWC account linked to the Hong Kong Airlines Mastercard.
Eligible cards must remain valid and in good standing. Each winner can receive no more than one Lucky Draw prize. Rewards are not transferable or redeemable for cash. FWC terms apply.
Lucky Draw and Top Spender Award Promotion: 2026-10-21 – 2026-12-31

CNCBI Cards X Hong Kong Airlines Lucky Draw: Hong Kong-Japan business-class return ticket

1Hong Kong Airlines business-class return ticket from Hong Kong to Japan reward

Conditions applyPrizePeriod LimitedMinimum spending: HK$200.00Cap: 1 prize · promotion total

Eligibility: Audience: all · Document: To redeem the ticket, provide a redemption letter, passport copy, contact details, Fortune Wings Club number, and itinerary.
Eligible spending: Type: all
Minimum requirement: Period: per transaction · Spend: HK$200.00
Benefit limit: Amount: 1 · Applies to: Each Lucky Draw winner; one Lucky Draw prize maximum. · Period: promotion total · Type: limited · Unit: prize
Application or registration is required.
The target Jewel World Mastercard is eligible. Spending on any CNCBI credit card except a Business Card can earn entries. Each eligible transaction of HK$200 equivalent or more earns one chance; a qualifying foreign-currency transaction with official records earns two. CITICdiamond customers' chances are doubled.
A successful application for a principal Jewel World Mastercard during the promotion period can earn one chance if the Bank approves it by 15 February 2027. To receive a Lucky Draw prize, the customer must also hold a valid, separate CNCBI Hong Kong Airlines Mastercard and keep its linked FWC account valid by 15 February 2027, on 24 February 2027, and when prizes are awarded by 31 March 2027.
Twenty winners receive one ticket each: ten for Tokyo and ten for Osaka. Redeem from 1 March to 30 June 2027. Travel from 1 March to 24 September 2027, excluding 19 March to 11 April and 29 April to 9 May.
The winner must be at least 12 years old and provide a redemption letter, passport copy, contact details, FWC number and itinerary. Seats are subject to availability. The ticket is for Hong Kong Airlines marketed and operated flights to or from Hong Kong, excluding special, charter and code-share flights.
The ticket is valid for 2 to 90 days and includes two checked bags of 32 kg each. Taxes and surcharges are payable separately. The ticket is non-refundable, non-transferable and cannot be changed. Eligible cards must remain valid and in good standing.
Lucky Draw and Top Spender Award Promotion: 2026-10-21 – 2026-12-31

CNCBI Cards X Hong Kong Airlines Top Spender Award: Fortune Wings Club Gold Card membership

1Fortune Wings Club Gold Card membership reward

Conditions applyTravelPeriod LimitedCap: 1 membership · promotion total

Eligibility: Audience: all
Eligible spending: Type: all
Benefit limit: Amount: 1 · Applies to: Each Top Spender winner. · Period: promotion total · Type: limited · Unit: membership
Application or registration is required.
The target Jewel World Mastercard is eligible because the promotion counts spending on any Eligible Card. The top 100 customers by accumulated eligible spending during the promotion receive FWC Gold membership. Bank staff may participate in this award.
Eligible spending must be posted and must meet the promotion rules. Exclusions include e-wallet and person-to-person payments, autopay and bill payments, Octopus add-value, transfers, installment and loan repayments, fees, investment, insurance and tax payments, casino chips, and unposted, cancelled, refunded, invalid or unauthorized transactions.
Transactions count by statement transaction date and must post by 15 February 2027. The Bank may request original sales slips or official payment records.
A winner must be an existing FWC member or register before claiming. Membership and its benefits follow FWC terms; they are not transferable, refundable or redeemable for cash.
Lucky Draw and Top Spender Award Promotion: 2026-10-21 – 2026-12-31

CNCBI Jewel World Mastercard Perpetual Annual Fee Waiver（優惠值未列明）

—Value not stated

Fee Waiver

Eligibility: Audience: all
Eligible spending: Type: not applicable
Benefit limit: Applies to: Annual fee waiver; no fee amount is stated. · Period: not stated · Type: not stated
The application section states that credit-card applicants must be aged 18 or above and that the annual fee waiver is perpetual. The HTML gives no annual-fee amount. The fee schedule link is unresolved.

Open source offer ↗

CNCBI Jewel World Mastercard up to 57 Days Interest-Free Repayment

Up to57days quantity

Financing

Eligibility: Audience: all
Eligible spending: Type: not applicable
Benefit limit: Applies to: Interest free repayment period · Period: not stated · Type: not stated
The page states an up-to-57-day interest-free repayment period. It gives no calculation or timing conditions in this HTML.

Open source offer ↗