CCB (Asia) Construction Industry UnionPay Dual Currency Credit Card

Wonderful Discounts across the
Greater Bay Area

CCB (Asia) and the Construction Industry Council have jointly launched the "CCB (Asia) Construction Industry UnionPay Dual Currency Credit Card", offering registered construction workers a series of privileges on China-Hong Kong cross-border spending to enjoy the advantages of spending in the Greater Bay Area.

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Fee Schedule

Welcome Gifts
Features

New customers¹ who successfully apply CCB (Asia) Construction Industry UnionPay Dual Currency Credit Card can enjoy:

Remarks:
1.	Applicant must at any time in the 6 months ending on the date of application did not hold any principal credit card issued by the Bank.
2.	Spending Requirement: HKD4,000 in the first 3 months from Card issuance date. Please refer to “Terms and Conditions of the Welcome Gifts” for details.

Up to 5% Cash Rebate for Designated Spending

Using the card to pay for construction workers registration fees, test fees for Construction Industry trade tests and tuition fees for courses at Hong Kong Institute of Construction can enjoy 12.5 times points, which is equivalent to 5% cash rebate.

Remarks: For details, please refer to “Terms and Conditions of CCB (Asia) Construction Industry UnionPay Dual Currency Credit Card Extra Bonus Point Rewards Programme”.

Cash Advance Handling Fee Waiver

Cash Advance Handling Fee Waiver facilitates cash withdrawal at any time.

Remarks:
1.	All cash advances made in Hong Kong or overseas ATM (whether in any currency) will be settled in Hong Kong dollars, and will be posted in HKD account of your card.
2.	The preferential monthly rate for cash advance is 1.5%, for detail please refer to the CCB (Asia) Credit Card Fee Schedule.
3.	Cash Advance Handling Fee Waiver is only applicable to cash withdrawal via ATM.

Credit Card Bonus Points Reward Scheme

Cash Rebate for All Your Spending Year-Round Earn 1 bonus point with every RMB/HK$1 spending or cash advance with the card. Your bonus points can be redeemed for cash rebate in RMB or HKD, which will be automatically converted on a monthly basis. What’s more, there is no annual limit on the amount of cash rebate you can earn. Bonus Points Cash Rebate Every 250 Points RMB / HK$1 Cash Rebate Remarks: Any cash rebate amount earned will be deposited into your selected HKD/RMB credit card account, and will be shown in the same period of statement. Please refer to the “Terms and Conditions of "Dual Currency Cash Rebate Scheme" for details.

Bonus Points	Cash Rebate
Every 250 Points	RMB / HK$1 Cash Rebate

Annual Dental Insurance Plan

Cardmembers can enjoy the free "Annual Dental Insurance Plan" by reaching designated spending amount¹ in Cardmembership year. Enrollment Hotline: +852 3179 5533 Remarks: 1. To enjoy the "Annual Dental Insurance Plan" at no premium, Cardmember is required using his/her CCB (Asia) Construction Industry UnionPay Dual Currency Credit Card at least once per statement cycle or has a total accumulated spending of a sum equals to or exceeding HKD12,000 during the effective Cardmembership year. (Cardmembers need to enroll by themselves) 2. Please click here to read the Important Notes.

Year-Round HK$0 Handling Fee for Overseas Spending

Waiver of handling charges for overseas spending and foreign exchange to bring you more savings while enjoying shopping.

Two Currencies in One Card
Enjoy Better Deals on Overseas Transactions

CCB (Asia) UnionPay Dual Currency Credit Card combines both RMB and HKD credit card accounts in one card. Whether you spend in China, Hong Kong or overseas, you can enjoy better foreign currency exchange rate. China spending is settled in RMB, while spending in Hong Kong and overseas is settled in HKD. Spending with dual currency in one card brings you the ultimate convenience and saving. Year-Round HK$0 Handling Fee Waiver for Overseas Spending Waiver of handling charges for overseas spending and foreign exchange to bring you more savings while enjoying shopping. Example for better deals on overseas transactions: Ways of Purchase CCB (Asia) UnionPay Dual Currency Credit Card Other Credit Cards Japanese Yen JPY131,854 JPY131,854 Purchase equivalent value in Hong Kong Dollars + Handling fee HK$10,000+HK$0 HK$10,000+HK$195 Actual equivalent value in Hong Kong Dollars HK$10,000 HK$10,195 Comparison HK$0 Handling Fee Saved HK$195 equal 1.95% Up to 1.95% Remarks: The above data, transaction and purchase equivalent value are for reference only. For the detailed terms and conditions of other credit cards, please contact the individual card issuers. The above case is only applicable to CCB (Asia) UnionPay Dual Currency Credit Card.

Ways of Purchase	CCB (Asia) UnionPay Dual Currency Credit Card	Other Credit Cards
Japanese Yen	JPY131,854	JPY131,854
Purchase equivalent value in Hong Kong Dollars + Handling fee	HK$10,000+HK$0	HK$10,000+HK$195
Actual equivalent value in Hong Kong Dollars	HK$10,000	HK$10,195
Comparison	HK$0 Handling Fee Saved HK$195 equal 1.95%	Up to 1.95%

Tap Your Card To Pay in Greater Bay Area

UnionPay QuickPass Contactless Payments provide you with a hassle-free purchase by simply tapping your UnionPay Credit Card on a secure reader without signing^. Merchants accepting UnionPay QuickPass Contactless Payments are all around the world. QuickPass not only allow you to purchase in dining and shopping merchants, but also connect you with the public transportation across the Greater Bay Area. Please visit http://www.unionpayintl.com/hk/ for more details. ^ UnionPay QuickPass contactless payment accepts any transaction of HKD/RMB 1,000 or below without the need of signature verification.

CCB (Asia) UnionPay Dual Currency Credit Card
Various Experience

Personal Concierge Privileges Assistance in various areas, including travel, shopping, art and entertainment, wellness and dining. UnionPay Premium Service Hotline +852 2169 0108

Enhanced Cross-Border Privileges to
Help You Journey Between
Hong Kong and China

Cross-border transport discounts come with the Card to satisfy your various cross-border travel needs: "All China Express" - Cross-Border Bus Ticket Discount Original Price (per set) Special Price (per set) Daytime (06:01-23:30) 10 pieces of one-way tickets 1. Mong Kok Route – between Mong Kok and Huanggang ~~HK$410~~ HK$350 2. Wan Chai Route - between Wan Chai and Huanggang ~~HK$520~~ HK$470 *All China Express has temporarily suspended their service from Feb 4 until further notice. Ticket Purchase Hotline: +852 3179 5533 Remarks: Ticket prices may vary depending on route schedules (e.g. weekdays, weekends, day shift or night shit). Please call respective supplier enquire about ticket prices. Ticket prices of each route may be adjusted from time to time and are subject to supplier’s announcement upon ticket ordering. Cardmember is required to pay the price difference after ticket price adjustment before boarding. Please refer to the Terms and Conditions of "Cross-Border Bus Ticket Discount" for details.

"All China Express" - Cross-Border Bus Ticket Discount
	Original Price (per set)	Special Price (per set)
Daytime (06:01-23:30) 10 pieces of one-way tickets
1. Mong Kok Route – between Mong Kok and Huanggang	~~HK$410~~	HK$350
2. Wan Chai Route - between Wan Chai and Huanggang	~~HK$520~~	HK$470

China Accidental Insurance Privileges

For More Enjoyable Travel to China CCB (Asia) UnionPay Dual Currency Credit Card brings you unparalleled and comprehensive protection as you travel for business or leisure trips or visit your family, giving you absolute peace of mind: China Taiping Insurance 50% discount on Accidental Emergency Medical Insurance Gold Card Purchase China Taiping Insurance - Accidental Emergency Medical Insurance Gold Card with the card to enjoy 50% off. Present this Insurance Gold Card to receive immediate medical treatment at any network hospital in Mainland China without deposit payment. Purchase China Taiping Insurance Accidental Emergency Medical Insurance Gold Card Remarks:The plan is underwritten by China Taiping Insurance (HK) Company Limited ("China Taiping (HK)"). The protection plan is subject to the terms and conditions of the Policy underwritten by China Taiping (HK). For details, please contact China Taiping (HK) Insurance Customer Service Hotline: +852 3716 1616 (Service Hours: Mon – Fri 9:00am – 5:30pm, Sat, Sun and Public Holidays closed) or refer to the Terms and Conditions of "China Taiping Insurance – Accidental Emergency Medical Insurance Plan".

A More Secure Way to Spend

Adjust RMB Credit Limit of Dual Currency Credit Card Anytime Simply call our Customer Service Hotline to adjust the RMB credit limit for your Dual Currency Credit Card, to enjoy extra peace of mind while spending in China at ease. Remarks: Please refer to Terms and Conditions of "Pre-Set Lower Credit Limit in RMB Card Account" for details.

Apply Online Enquiry Hotline^#
+852 3179 5578

^#Office hours: Monday – Friday 9:00a.m. – 6:00p.m.; Closed on Saturdays, Sundays and Public Holidays
Remarks: Applicant is required to provide a valid Construction Workers Registration Card for application.

To borrow or not to borrow? Borrow only if you can repay!

1.	To enjoy the "Annual Dental Insurance Plan" at no premium, Cardmember is required using his/her CCB (Asia) Construction Industry UnionPay Dual Currency Credit Card at least once per statement cycle or has a total accumulated spending of a sum equals to or exceeding HKD12,000 during the effective Cardmembership year. (Cardmembers need to enroll by themselves)
2.	Please click here to read the Important Notes.