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Citi Cash Back Card

Citi Cash Back Card

Citi Cash Back Card

Citi Cash Back Card

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2% foreign currency rebate
Citi Cash Back Card is a cash rebate card, offering 2% rebate for dining in hotels and restaurants, plus 1% for other local spending. Besides, bind this card with e-wallets such as PayMe, AlipayHK, and WeChat Pay to earn 1% rebate. With this card, cardholders can earn rebates at no cost with e-wallets.
First Year Annual Fee Waiver
Annual Fee
Unlimited 2%
Rebate on Overseas Spending & Local Dining
Unlimited 1%
Rebate on Local Spending
MoneySmart Exclusive

【⏰7-Day Flash Deal｜Perfect Moments, Perfect Sound, Perfectly Refreshed🤩】
From now until 16 June 2025, New Customers who successfully applied for a designated Citi credit card via MoneySmart with eligible spending of HK$4,000 after card issuance, can earn a HK$1,800 Apple Store Gift Card / PARKnSHOP Supermarket Voucher or one of the limited-time upgrade rewards:
🔥 PHILIPS RO Water Dispenser ADD6920WH/90 (Value: HK$4,288) or
🔥 B&W Px7 S3 Over-ear Noise-canceling Headphones (Value: HK$3,380) or
🔥****DJI Neo Drone Fly More Combo (Value: HK$2,499)

Valid until 16 Jun 2025 - See more details below

Are you eligible?

    • You are a new to bank Citi credit card holder

    • Apply for a designated Citi credit card through MoneySmart and the application is approved on or before 2 Aug 2025

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

    • Please note: Before the application through 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 10 June 2025 to 16 June 2025

  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 30 June, 2025

  4. 【Limited-time Upgrade Rewards】Each gift is limited to 50 units, distributed on a first-come, first-served basis. During the period from 10 June to 30 June, the first 50 Eligible New Customers who submit the redemption form will receive the selected gift. Remaining Eligible New Customers exceeding the quota will automatically receive a HK$1,800 PARKnSHOP Supermarket voucher. T&Cs applied.

  5. All students' credit cards are not applicable to current MoneySmart exclusive promotion. New Customers who are full time students of degree / diploma program of a Hong Kong Tertiary Institution will only be entitled to designated welcome offer for students.

T&Cs
FAQ
Claim Form

Quick Facts

Get the maximum value by

focusing on dining and hotel spending category

Good for

frequent hotel diners who don't want to remember specific spending categories

Categories to maximise this card

local dining, hotel and foreign currency spending

What people use it for

local dining, hotel and foreign currency spending and digital wallet top-up

Get if

you are a frequent diner at hotels but don't want to remember the specific spending categories for the highest rebates

All Details

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Citi Cash Back Card Key Features

FeaturesCiti Cash Back Credit Card
Min. Annual SalaryHK$120,000
Annual FeeHK$1,800 (First-year annual fee waiver)
Cash Rebate Rate
  • Local Spending: 2%
  • Overseas Spending: 2%

Citi Cash Back Card Pros and Cons

Citi Cash Back Card Pros

With Citi Cash Back Card, you can enjoy unlimited 2% rebate for local dining, hotel spending and overseas transactions.

Citi Cash Back Card Pros Cons

Citi Cash Back only offers cash rebates but not Miles. Also, you only get 1% cash rebate on other eligible spending in local currency other than local dining and hotel spending, which is not particularly attractive.

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
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Citi Cash Back Rebate Rate

Payment MethodRebate Rate
Overseas Transactions2%
Octopus AAVS1%

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

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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.