Stay true to the original intention, improve quality and efficiency, stabilize development, and benefit people's livelihood: CITIC Bank Credit Card deepens scene-based services to stimulate consumer vitality

2025 is a pivotal year for the successful conclusion of the 14th Five-Year Plan and the launch of the 15th Five-Year Plan, as well as an important node for China to accelerate the construction of a strong financial nation and to deepen policies that expand domestic demand and promote consumption. CITIC Bank Credit Card closely aligns with the bank’s “Value Bank” vision and the “Five Leading” development strategy, adhering to the original intention of serving the real economy through finance, focusing on customer-centricity, deepening product and service quality innovation, using scenarios to stimulate consumption vitality, and steadily advancing the implementation of the “Five Major Financial Articles” to achieve tangible results, firmly following the high-quality development path of steady progress with improved quality and winning through excellence. CITIC Bank’s 2025 annual report shows that by the end of the reporting period, the bank had issued a total of 129 million credit cards, with a credit card loan balance of 462.12B yuan, and a total transaction volume of 2.18 trillion yuan for the year.

Deepening Livelihood Consumption Scenarios to Stimulate Market Vitality through Innovation

CITIC Bank Credit Card focuses on promoting consumption and expanding domestic demand policies, continuously deepening the “food, housing, transportation, entertainment, shopping” consumption fields, and fully advancing high-quality scenario customer acquisition and refined management, promoting the deep integration of financial services with livelihood consumption.

To meet the differentiated supply demand for credit card products driven by the trend of diversification and circle-based development in recent years’ consumer markets, CITIC Bank Credit Card has continuously improved its product matrix based on different customer groups’ consumption characteristics and living scenarios. In cross-industry integration, it launched the Zhongmian co-branded card for high-quality tourism retail consumers; in the elderly financial sector, it introduced the “Happy Years Card” to meet the growing demand for consumption and financial services among the silver-haired population; in travel scenarios, it upgraded the “Youth Travel” student credit card, and launched the “Carefree Tour” new product to serve diverse travel and cross-border needs of segmented customer groups.

In terms of scenario ecology and product layout, CITIC Bank Credit Card deepens scenario ecosystem construction around the livelihood consumption fields of “food, housing, transportation, entertainment, shopping,” upgrading the “99365” brand activities. Using diversified marketing tools such as vouchers and instant discounts, it actively develops business district and merchant service networks. As of the end of the report period, the bank had partnered with over 7,300 merchant brands nationwide, covering more than 460k stores, with a total of 13.62 million customer participations in activities annually, bringing inclusive financial benefits directly into people’s daily lives. In 2025, CITIC Bank Credit Card seized the opportunity of new consumption formats, increasing the high-quality scenario customer acquisition share in “food, housing, transportation, entertainment, shopping” to 44.74%, and collaborating with leading internet platforms to expand online scenarios, steadily increasing online transactions and scenario installment scales, fully activating endogenous consumption momentum, with ongoing results in high-quality customer acquisition and refined management.

Steady Progress in Service Quality to Convey Financial Warmth with Original Intent

In 2025, CITIC Bank Credit Card will follow the bank’s overall deployment for building a strong financial nation, focusing on the “Five Major Financial Articles,” integrating pension finance, inclusive finance, and green finance into the entire business process, promoting financial services from production to consumption, and creating a sustainable development model with social and operational benefits through responsible actions, making financial services warmer and more textured.

In pension finance, CITIC Bank Credit Card precisely adapts to the needs of elderly customers, launching the Elderly Version of the Card Space App, adding new service scenarios to achieve 100% coverage of core financial scenarios; it introduced the “Happy Years Card,” offering transaction cashback, insurance protection, travel discounts, and health management benefits, while deepening elderly-friendly modifications and simplifying operations to eliminate digital divides, allowing the silver-haired group to enjoy convenient and thoughtful financial services.

In the field of inclusive finance, CITIC Bank Credit Card upholds its original mission to serve the people, relying on the “Love·Trust·Gather” public welfare platform, gathering multiple forces to deeply cultivate rural education public welfare projects. As of the end of the report period, the number of users participating in point donation reached 1.7 million, with over 260 multimedia classrooms built in aid projects across the country (including 45 in border areas), benefiting 310k teachers and students, supporting the development of literacy education in remote mountainous schools.

In green finance innovation, CITIC Bank Credit Card actively responds to the policies of the “Green Finance Support Project Directory (2025 Edition),” and as of the end of the report period, the first personal carbon reduction account led by a bank—the “CITIC Carbon Account”—had a user base of 29.44 million. Through platform-based green consumption activities, over 45 million users participated within the reporting period, guiding the public to practice green and low-carbon lifestyles through digital means. Focusing on the carbon-inclusive field, the bank led the development of the first bank industry paperless financial scenario-based carbon inclusive methodology—“Shenzhen Paperless Financial Scenario (Banking Industry) Carbon Inclusive Methodology”—which was officially released by the Shenzhen Municipal Ecology and Environment Bureau, injecting new momentum into Shenzhen’s carbon market development.

In 2025, in response to the development trend of “Artificial Intelligence + Consumption,” CITIC Bank Credit Card, driven by technological innovation, comprehensively promoted digital and intelligent service upgrades, building a refined and personalized service system, transforming services toward “pre-positioning and warmth,” with a service quality improvement of over 10%. The “Full-Chain Service System” and other innovative achievements have been registered with the National Copyright Administration. In terms of online service platforms, with the goals of “architecture upgrade, scenario deepening, and intelligent efficiency,” the bank continued to upgrade the Card Space App, completed the integration of five major portals and core modules, optimized functions such as intelligent search and quick processing, and established mechanisms for intelligent perception response and one-on-one human care. In early 2026, based on a solid foundation of quality service, CITIC Bank Credit Card will fully upgrade and launch the “Xiao Xin Butler” service system, focusing on customers’ full card usage cycle needs, creating a smarter, more exclusive, and more convenient personalized card management service, building a new service ecosystem with one-stop butler services.

Upholding Innovation and Excellence to Write a New Chapter of Development with Quality Service

Standing at the new starting point of the “14th Five-Year Plan,” CITIC Bank Credit Card will closely follow national policy guidance and the bank’s strategic deployment, uphold the original mission of serving the people through finance, solidly promote the “Five Major Financial Articles,” deepen the essence of consumption, and focus on improving product and service quality and efficiency. In the future, CITIC Bank Credit Card will continue to leverage financial strength to serve consumption scenarios, providing more precise, convenient, and warm financial services to boost consumption, safeguard customer experience, fulfill social responsibilities, and write a new chapter of steady, balanced, and sustainable development.

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