Credit cards for accounts and currency settlement accounts. CITIC Bank's dual-currency credit card integrates a foreign currency card and a local currency card, and the two settlement currency accounts coexist in one credit card.

Through the VISA/MasterCard/JCB network, the dual-currency credit card of CITIC Bank is processed and settled in local currency account when it is used in China, and processed and calculated in foreign currency account when it is used abroad, finally achieving the global goal of one-card bank.

Credit cards of CITIC Bank include dual-currency cards and single-currency cards. Dual-currency cards can be divided into RMB/USD cards and RMB /HKD cards by currency, and cardholders can handle them according to their own needs. Cardholders can sign accounts at special merchants with UnionPay logo and special merchants of China CITIC Bank all over the country.

With the dual-currency credit card of CITIC Bank, users can withdraw cash (RMB) from ATMs marked with UnionPay and CITIC Bank ATMs with their private passwords. Users can also use private passwords to withdraw cash (local currency) from ATMs marked with VISA around the world.

As of May 20, 2020, CITIC Bank dual-currency credit cards include CITIC Bank Unicom Credit Card, CITIC Bank I Platinum Credit Card, CITIC Bank Momor Credit Card and CITIC Bank Xifeichuan Joint Credit Card.