H·COINS and CNCBI credit card Spending Promotion Summer Spending Up to 100% Rebate

From 18 July till 19 October 2025, spend with CNCBI Credit Cards at designated H·COINS participating malls under designated H·COINS participating malls to enjoy the following fantastic offers:

【Offer 1 – 100% Rebate in H Coins】
Get 200 H Coins for every HK$1 spent, up to a maximum of 100,000 H Coins (equivalent to HK$500)*
* Applicable to single transaction of HK$100 or above and each cardmember can enjoy the offer once at each participating mall during the whole promotion period.

【Offer 2 – Rewards at Every Level, up to 50,000 H Coins】

+ Each cardmember can accumulate up to 2 machine printed sales invoices of eligible transactions of HK$100 or above that are settled in full with CNCBI Credit Card from different stores in the same mall on the same day. Spending at the same merchant on the same day cannot be split into multiple receipts for multiple redemptions. The same receipt cannot be used to enjoy both offer 1 and offer 2.

【Offer 3 – Extra 1 Hour Free Parking】
Get extra 1 hour of free parking^ by spending with CNCBI Credit Card to enjoy the existing free parking offer provided by the following shopping malls:
^ Applicable to vehicles parked at the hourly private car parks of MCP Central & MCP Discovery (MCP Phase 2 & Phase 3) and MOSTown (including MOSTown Street Phase 3 and MOSTown Phase 4 & 5).

#Designated H·COINS participating malls：MCP CENTRAL & MCP, MOSTown and Trend Plaza

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What’s more, you can enjoy 5% off upon HK$400 spending in one receipt with CNCBI credit card while showing and scanning eligible CU APP member QR code during purchase at designated stores of Citisore and UNY, on 1 Aug 2025 (Fri) and 1 Sep 2025 (Mon):
‧ UNY (Level 2, MCP Central, Tseung Kwan O, Kowloon)
‧ Citistore (Level 2, MCP Central, Tseung Kwan O, Kowloon)
‧ Citistore (Level 3 North Wing, Trend Plaza, Tuen Mun, N.T.)
‧ Citistore (Shop 2E-89B & 2E-89C on Level 2 & portion of Level 3, Sunshine City Plaza, 18 on Luk Street, Ma On Shan, N.T.)

All the rewards are limited offers, available on a first-come, first-served basis, while stocks last, and are subject to applicable terms and conditions.

Terms and Conditions:

1. All offers are limited in quantity and are available on a first-come, first-served basis while stocks last. No further notice will be given for completion of any offer redemptions. In the event of any dispute, the Bank and H Coins Intelligence Limited (“HCIL”) reserve the right of final decision and to terminate offer redemption at any time without prior notice.
2. To participate in the promotion, Cardmembers must be holding a valid H·COINS membership.
3. Eligible transactions include any single retail and food and beverage transactions of HK$100 or above made at any stores in the participating malls with machine printed original sales invoice and original physical credit card sales slip or screenshot of the digital wallet. Machine-printed sales receipts from designated merchants and service providers are not eligible to the promotion, please visit HCIL website at https://www.hcoins.com.hk/disclaimer/ for details. The eligible transaction is calculated based on the actual transaction amount (the net amount after any discounts / promotional coupons / cash coupons) and will be rounded down to the nearest dollar. In case of any dispute, the decision of the Bank and HCIL shall be final and conclusive.
4. Cardmembers must bring along (1) the original machine printed sales invoice, (2) the original physical credit card sales slip or screenshot of the digital wallet, (3) the credit card used for the transaction to register and redeem the offers for this promotion in person at the redemption location of the respective participating mall that the Cardmembers made the related transaction. No late redemption will be accepted and Cardmembers cannot authorize a third party to register and redeem any offer. Terms and Conditions apply, please click here for details.
5. Each Cardmember can enjoy the extra 1 hour of free parking once per day only at each applicable participating mall and a maximum of 3 hours free parking. Terms and Conditions apply, please click here for details.
6. Cardmembers are required to state their intention to enjoy the offer to at the cashier counters of the merchant prior to payment, show and scan eligible CU APP member QR code and settle the whole payment (net invoice amount) by any eligible credit card in order to enjoy the offer. This Offer is not applicable to the purchase of gift vouchers from the Merchant (Citistore Gift Certificates, APITA UNY Gift Certificates,) eShop transaction, transactions via email or phone, consignment gift certificates, cigarettes, mooncake food voucher, Italian Tomato coupons, purchases made by cash coupon, A Nice Gift, instalment and deposit payments (If applicable), luggage maintenance, festive hampers, gift boxes and its materials, CU APP redemption items or plastic shopping bag charging scheme, nor applicable to the transactions made at self-checkout counters in the physical stores and cashier of consignment counters. For details, please contact the Merchant. Terms and Conditions apply, please click here for details.

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