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CCB (Asia) JD Credit Card: Top Cashback on All of Your Online Purchases

Unlimited 4% Cash Rebate for Online Spend and JD member privileges

CCB (Asia) JD Credit Card: Top Cashback on All of Your Online Purchases

Unlimited 4% Cash Rebate for Online Spend and JD member privileges

4.0/5.0

ValueChampion Rating ValueChampion Icon

Good for

  • Consumers who frequently spend on JD.com
  • People who spend a large portion of their budget online
  • Consumers who want a perpetual annual fee waiver

Bad for

  • Frequent travellers seeking elevated overseas cashback rates
  • Local spenders looking for entertainment perks
  • People who tend to shop at brick and mortar stores

CCB (Asia) JD Credit Card offers frequent online shoppers one of the highest uncapped cashback rates for online purchases on the market. This CCB credit card boasts an impressive 4% cash rebate for all online spending plus 0.5% cashback on other local and overseas purchases. JD loyalists should definitely consider the rebates and exclusive JD platform discounts offered by this branded CCB card.

ProsCons
  • High 4% cash rebate for all online spending
  • 0.5% rebate on all other local and overseas purchases
  • 0.5% cashback for online bill pay, Octopus AAVS reloads and electronic wallet top-ups
  • Perpetual annual fee waiver
  • No overseas or entertainment perks
  • No boosted cashback outside of online purchases
Promotions:
  • Receive “Early Bird Privileges” Discount coupons worth up to RMB299
Card Overview
Pros:
  • High 4% cash rebate for all online spending
  • 0.5% rebate on all other local and overseas purchases
  • 0.5% cashback for online bill pay, Octopus AAVS reloads and electronic wallet top-ups
  • Perpetual annual fee waiver
  • Promotions: Receive “Early Bird Privileges” Discount coupons worth up to RMB299
Cons:
  • No overseas or entertainment perks
  • No boosted cashback outside of online purchases

What Makes CCB (Asia) JD Credit Card Stand Out

Frequent online shoppers can enjoy an impressive 4% cash rebate on all of their online purchases with CCB (Asia) JD Credit Card. Unlike competitor cards, this rewards rate has no upper limit or spending requirements, making this a straightforward card for maximising rewards.

Other local and overseas transactions earn 0.5% cashback, slightly higher than the market average of 0.4%. While some competitor cards offer higher rates on general and overseas purchases, CCB (Asia) JD Credit Card allows consumers to earn cashback for online bill pay, electronic wallet top-ups and Octopus AAVS reloads, which makes it a well-rounded card for local spenders.

JD shoppers can also enjoy exclusive discounts on the JD Platform with this CCB credit card. Cardholders can enjoy a “Monthly Exclusive Benefit” discount coupon of up to ¥99 (including ¥30 shipping and ¥69 shopping coupons) upon meeting modest spending requirements. The JD Platform includes JD.com, HK.JD.COM and the JD APP.

Cardholders also have a chance to win an “Instantly Random Discount” every day ranging from ¥1 to ¥299 when settling payments. On “VIP Day”, the 6th of each month, consumers also have a chance to enjoy a discount coupon package worth up to ¥598. However, “Instantly Random Discount” and “VIP Day” offers are only available while supply lasts, which means shoppers have to be deliberate about making purchases on a schedule.

CCB JD Credit Card “Monthly Exclusive Benefit” discount scheme

Spend requirementShipping couponShopping couponTotal discount
RMB 0RMB 30N/ARMB 30
RMB 329RMB 30RMB 29RMB 59
RMD 499RMB 30RMB 69RMB 99

CCB (Asia) JD Credit Card is not the best choice for every consumer, however. Consumers who spend most of their budget offline can enjoy 2% cashback at supermarkets and 1% on the rest of their local spend with HSBC Red Credit Card. Another option is Standard Chartered Simply Cash Visa Card, which offers consumers an impressive 1.5% rebate on all of their local purchases, boosted to 2% overseas. You might consider using CCB (Asia) JD Credit Card for your online purchases, while using another cashback credit card for entertainment, supermarket and department store transactions.

Compare CCB JD Credit Card’s rebates and fees to other cashback cards in Hong Kong

CardOnline rebateGeneral rebateAnnual feeMin. Income
CCB JD Card4%0.5%HKD 0HKD 150k
HSBC Red4%1%HKD 0HKD 120k
BEA i-Titanium3.4%0.4%HKD 600 (waiver available)HKD 40k
SC Simply Cash1.5%1.5%HKD 2k (waiver available)HKD 96k

With a perpetual annual fee waiver and a relatively low minimum income requirement of HK$150,000, CCB (Asia) JD Credit Card is a great choice for consumers looking for very high cashback for online purchases. JD loyalists in particular will benefit from this card’s discounts and promotions, making it one of the most competitive online cashback cards on the market.

How Does CCB (Asia) JD Credit Card’s Rewards Programme Work?

Use our quick guide below to learn how you earn cashback with CCB (Asia) JD Credit Card.

  • Cash rebate earned in the form of Bonus Points
  • Bonus points converted to cash rebate in every statement date automatically
  • Bonus Point Cap on Transactions of Online Bill Payment(s) and Payment(s) to Insurance Companies

CCB (Asia) JD Credit Card's Features and Benefits:

Card Overview
  • Annual Fee: Free, Free
  • Income Requirement: HKD 150,000
Rewards Rate Details
  • 4% cashback on all online purchases
  • 0.5% cashback on local and overseas spend
  • 0.5% cashback on Octopus AAVS reloads, e-wallet top ups and online bill payments
Benefits & Perks
  • JD discounts:
  • “Early Bird Privileges” Discount
  • “Monthly Exclusive Benefit” Discount
  • “Instantly Random Discount”
  • “VIP Day” Discount coupons
Promotions:
  • Receive “Early Bird Privileges” Discount coupons worth up to RMB299

CCB (Asia) JD Credit Card’s Rewards Exclusions

The following credit card expenditures are ineligible for rewards.

  • Annual fee
  • Handling fee
  • Cash advance
  • Balance transfer
  • Cash instalment plan
  • Credit card Rewards Gift Point from other promotions / reward programs
Bill payments made to payees such as the “Inland Revenue Department”, “Banking and Credit Card Services”, “Securities Broker”, “Credit Services” and under the bill type of “Policy Loan”

How does CCB (Asia) JD Credit Card Compare Against Other Cards?

Read our comparisons of CCB (Asia) JD Credit Card with other Hong Kong credit cards and discover which card best fits your budget and lifestyle.

CCB (Asia) JD Credit Card v. HSBC Red Credit Card
  • Annual Fee: Free
  • Stand-Out: Unltd. 4% cashback online, 2% on groceries
HSBC Red Credit Card is a great choice for frequent online shoppers and those who enjoy cooking at home. Cardholders earn 4% cashback online, 2% at supermarkets, and 1% on all other purchases.


While both HSBC Credit Card Red and CCB (Asia) JD Credit Card offer unlimited cashback, HSBC Red offers significantly higher rebates for local spend, especially at the supermarket. In fact, consumers would need to spend twice as much on general purchases with the CCB card to earn the same cashback from HSBC Red.

HSBC Red Credit Card also has no annual fee and doesn't require consumers to hold specific bank accounts in order to access a waiver. All in all, while HSBC Red is ideal for local spenders looking for a general cashback card, JD.com loyalists can still earn the best discounts with CCB (Asia) JD Credit Card.

CCB (Asia) JD Credit Card v. BEA i-Titanium Card
  • Annual Fee: HKD 600
  • Stand-Out: Up to 3.4% cashback for online shopping
Consumers with a limited budget who still want competitive online cashback rates should definitely consider BEA i-Titanium Card. Cardholders earn 0.4% cashback on general spend, elevated to 3.4% online (with HK$1,800 spend and capped at HK$200 per month).


Although BEA i-Titanium has lower cashback rates, it’s annual income requirement of just HK$40,000 is significantly lower than the market average of HK$150,000. Its HK$600 annual fee is waived for BEA deposit, Mandatory Provident Fund, mortgage or consumer loan account holders.

Altogether, BEA i-Titanium has less stringent income requirements than most competitor cards, but CCB (Asia) JD Credit Card offers a higher rebate for online purchases and does not have spending minimums or rewards caps.

CCB (Asia) JD Credit Card v. HSBC Red Credit Card
  • Annual Fee: Free
  • Stand-Out: Unltd. 4% cashback online, 2% on groceries
HSBC Red Credit Card is a great choice for frequent online shoppers and those who enjoy cooking at home. Cardholders earn 4% cashback online, 2% at supermarkets, and 1% on all other purchases.


While both HSBC Credit Card Red and CCB (Asia) JD Credit Card offer unlimited cashback, HSBC Red offers significantly higher rebates for local spend, especially at the supermarket. In fact, consumers would need to spend twice as much on general purchases with the CCB card to earn the same cashback from HSBC Red.

HSBC Red Credit Card also has no annual fee and doesn't require consumers to hold specific bank accounts in order to access a waiver. All in all, while HSBC Red is ideal for local spenders looking for a general cashback card, JD.com loyalists can still earn the best discounts with CCB (Asia) JD Credit Card.

CCB (Asia) JD Credit Card v. BEA i-Titanium Card
  • Annual Fee: HKD 600
  • Stand-Out: Up to 3.4% cashback for online shopping
Consumers with a limited budget who still want competitive online cashback rates should definitely consider BEA i-Titanium Card. Cardholders earn 0.4% cashback on general spend, elevated to 3.4% online (with HK$1.8,000 spend and capped at HK$200 per month).


Although BEA i-Titanium has lower cashback rates, it’s annual income requirement of just HK$40,000 is significantly lower than the market average of HK$150,000. Its HK$600 annual fee is waived for BEA deposit, Mandatory Provident Fund, mortgage or consumer loan account holders.

Altogether, BEA i-Titanium has less stringent income requirements than most competitor cards, but CCB (Asia) JD Credit Card offers a higher rebate for online purchases and does not have spending minimums or rewards caps.

Kevin Schwartz

Kevin is a Junior Research Analyst at ValueChampion specialising in credit cards in Hong Kong. He previously worked for the U.S. Congress as a Legislative Fellow as well as in international education in Beijing. He holds a B.A. in International Studies and Chinese from the College of the Holy Cross and received multiple scholarships for Chinese language studies, including the State Department Critical Language Scholarship.