中文
Citi Cash Back Card
MoneySmart Exclusive
2% foreign currency rebate
2% foreign currency rebate

Citi Cash Back Card

Citi Rewards Card offers 3% Points Rebate on Shopping and Entertainment transactions, and 1% Points Rebate on local mobile payments.
First Year Annual Fee Waiver
Annual Fee
Unlimited 2%
Rebate on Overseas Spending & Local Dining
Unlimited 1%
Rebate on Local Spending

Apply through MoneySmart and redeem for any of these:

Product Carousel

MoneySmart Exclusive
Reward image

HK$2,000 Apple Store Gift Card

Reward image

HK$2,000 Apple Store Gift Card

MoneySmart Exclusive
Reward image

HK$2,000 ParknShop e-Vouchers

Reward image

HK$2,000 ParknShop e-Vouchers

MoneySmart Exclusive
Reward image

Philips RO Water Dispenser ADD6910DG - Grey (Value: HK$3,388)

Reward image

Philips RO Water Dispenser ADD6910DG - Grey (Value: HK$3,388)

MoneySmart Exclusive
Reward image

8 × Plaza Premium Lounge APAC 3-hour Access Pass (Value: HK$5,200)

Reward image

8 × Plaza Premium Lounge APAC 3-hour Access Pass (Value: HK$5,200)

MoneySmart Exclusive
Reward image

HK$2,000 Trip.com e-Vouchers

Reward image

HK$2,000 Trip.com e-Vouchers

MoneySmart Exclusive
Reward image

Philips NA547/07 Multifunction Airfryer with Steam (7.2L) (Value: HK$2,398, random color)

Reward image

Philips NA547/07 Multifunction Airfryer with Steam (7.2L) (Value: HK$2,398, random color)

MoneySmart Exclusive

【Flash Offer】Grab Trip.com Hotel & Flight Promo Codes + HK$2,000 Vouchers or Upgraded Gifts Worth Up to HK$5,200! 🎉
From 1 June to 8 June 2026, new customers who successfully apply for a designated Citi credit card via MoneySmart with eligible spending of HK$4,000 within 30 days after card issuance (approval by 31 July 2026) can receive one of the following rewards 🎁:
✈️ 8× Plaza Premium Lounge APAC 3-hour Access Pass (Total value: HK$5,200)
✈️ 4× Hong Kong Plaza Premium First with Infinity Room 3-hour Access Pass (Total value: HK$4,600)
🎁 Philips RO Water Dispenser ADD6910DG - Grey (Value: HK$3,388)
🎁 Philips NA547/07 Multifunction Airfryer with Steam (7.2L) (Value: HK$2,398)
💳 HK$2,000 Apple Store Gift Card / ParknShop e-Vouchers⠀⠀

 

＋ Trip.com 8% 🏨 Hotel Booking Promo Code + HK$100 Flights ✈️ Promo Code (upon claim submission)！T&Cs applied.

Valid till 08 Jun 2026

ARE YOU ELIGIBLE?

  • This welcome offer is only applicable to Cit New Customers (who do not hold any principal card of Citi Credit Card within the past 12 months)
    Unless otherwise specified, the Welcome Offers are only applicable to customers who i) currently do not hold any principal card of Citi Credit Card, and ii) have not cancelled and have not held any principal card of Citi Credit Card within the past 12 months from the month of application for the Eligible Card ("New Customers")

  • Apply for a designated Citi credit card through MoneySmart and the application is approved on or before 31 July 2026

  • Must perform accumulated transactions of HK$4,000 within 30 days of card issuance

  • Student Cards are not eligible for Moneysmart exclusive offer.

  • Please note: Before the application through the MoneySmart, please first Turn off the ad block； Clear the cookies； Don't use "incognito mode"； Turn off prevent cross-site tracking (Safari users) or Turn off "do not track function" (Chrome users)

WHAT YOU NEED TO KNOW

  1. The “Qualifying Period” will be from 1 June 2026 to 8 June 2026

  2. Apply for a designated Citi credit card through MoneySmart (Citi Cash Back / Citi PremierMiles/ Citi Rewards Mastercard / Citi Rewards UnionPay )

  3. Customers must complete and submit the redemption form after logging in to MoneySmart on or before 7 July, 2026

  4. Trip.com 8% Hotel Bookings Promo Code + Trip.com HK$100 Flights Promo Code
    ・Applicable to Trip.com new users only
    ・Promotion is subject to terms and conditions

  5. Plaza Premium Lounge APAC 3 hrs Access Pass - Valid at 15+ locations across HKG, SIN, BKK, TPE, SYD & more. HKG Bonus: Choice of lounge access or an exclusive set menu at INTERVALS Sky Bar & Restaurant!

T&CsFAQClaim Form

Card Details

Disclaimer: At MoneySmart.hk, we strive to keep our information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. For any discrepancy in product information, please refer to the financial institution’s website for the most updated version. All financial products and services are presented without warranty. Additionally, this site may be compensated through third party advertisers. However, the results of our comparison tools which are not marked as sponsored are always based on objective analysis first.

Citi Cash Back Card Key Features

FeaturesCiti Cash Back Credit Card
FeaturesMin. Annual SalaryCiti Cash Back Credit CardHK$120,000
FeaturesAnnual FeeCiti Cash Back Credit CardHK$1,800 (First-year annual fee waiver)
FeaturesCash Rebate RateCiti Cash Back Credit Card
  • Local Spending: 2%
  • Overseas Spending: 2%
FeaturesForeign Currency Transaction FeesCiti Cash Back Credit Card1.95%

Citi Cash Back Card Pros and Cons

Citi Cash Back Card Pros

The Citi Cash Back Card focuses on cash rebates for hotel and dining transactions. It offers an automatic and unlimited 2% rebate on local restaurants, hotels, and foreign currency spending. Both overseas transactions and online foreign currency purchases are included, making it ideal for frequent diners, hotel guests, and overseas shoppers.

Furthermore, daily transactions using e-wallets such as PayMe, AlipayHK, and WeChat Pay earn a 1% cash rebate. You can even utilize these e-wallets to fulfill welcome offer requirements at zero cost to earn rewards, making it a very cost-effective choice.

Citi Cash Back Card Considerations

The rebate rate of the Citi Cash Back Card is not particularly high compared to other cash rebate credit cards on the market; aside from hotel and dining spending, other local Hong Kong Dollar transactions only earn a 1% rebate.

Additionally, although foreign currency transactions enjoy an unlimited 2% cash rebate, since 2020, spending in European countries—including Spain, France, and the UK—has been categorized as ineligible transactions. These only earn the basic 1% rebate, which effectively results in a net loss after deducting the 1.95% foreign currency transaction fee.
Two column content

Citi Cash Back Mastercard Welcome Offers

Items Citi Cash Back Mastercard Welcome Offers Details
Welcome Offers HK$1,200 Cash Rebate
Reward Conditions Accumulate spending of HK$5,000 or more within the first 2 months from the date of card issuance
Background image

Citi Cash Back Rebate Rate

Payment MethodRebate Rate
Payment MethodOverseas TransactionsRebate Rate2%
Payment MethodOctopus AAVSRebate Rate1%

Citi Cash Back Card vs Other Cashback Cards

Cash Back Card Rebate Local Spending Overseas Spending Dining
Citi Cash Back 2% 2% 2%
Standard Chartered Smart Card 5%* / /
WeWa UnionPay Card 4%** / /

*Eligible transactions made at selected merchants can earn HK$1 for every HK$20 spending (5% cash rebate).

**Only in Travel, Theme Park, Cinema and Karaoke Categories

Background image

Citi Cash Back vs Citi Rewards Card

Both Citi Cash Back and Citi Rewards Card have a minimum salary requirement of HK$120,000. With Citi Rewards Card, cardholders can earn points that never expire and redeem the points for designated cash coupons, movie tickets and air miles at Citi ThankYou Rewards online or you can choose to offset your spending anytime, making it really flexible.

With Citi Cash Back, it offers 2% rebate on local dining, hotel spending and overseas transactions and Citi Rewards Card offers as high as 3% rebate on shopping + entertainment and 1% on local mobile payments.

Citi Cash Back vs Standard Chartered Simply Cash Card

Citi Cash Back offers unlimited 2% cash back for local dining, hotel spending and overseas transactions and Standard Chartered Simply Cash Card offers as high as 5% cashback on designated everyday merchants such as Parknshop, making it an attractive option, especially for those who always shop for necessities. . What’s more, Simply Cash Card Cardholders can enjoy an annual fee waiver if you are a Payroll account client, Priority Banking, Premium Banking clients meeting the relevant minimum balance requirement.

Citi Cash Back Ineligible Transactions include:

  1. Cash advances, fees and charges, withdrawal amount under the Balance Transfer Program, Cash Conversion Program, Citi Credit Card "Quick Cash" Installment Program, “FlexiBill” Installment Program, “PayLite” Installment Program, payment to the Inland Revenue Department
  2. Casino transactions
  3. Online bill payment, dynamic currency conversion transactions, transactions through Faster Payment System (FPS) Service, and unposted/canceled/refunded transactions

FAQ

What is the annual fee of Citi Cash Back Card? Can it be waived?

The annual fee of Citi Cash Back Card is HK$1,800 and you can enjoy the first-year waiver. You can also get your annual fee waived by applying an annual fee waiver request through Citibank hotline at 2860 0333.

Can students apply for Citi Cash Back Card?

No. But students can apply for Citi Rewards Card or Citi Octopus Platinum Card.

Is there any overseas handling fee for overseas transactions if I use Citi Cash Back Card overseas?

Yes, you will be charged overseas handling fee which is 1.95% for every foreign currency transaction.

How do you qualify as a new Citi Cash Back customer?

Even if you have previously applied for a Citi Cash Back Card, you are considered a new customer as long as you do not currently hold any principal Citi credit card issued by Citibank, or if you have not cancelled or held any Citi credit card within the past 12 months counting from the month of your application.