Best Citibank Credit Cards in Hong Kong 2020

Annual Interest Rate	35.52%
Annual Principal Fee	HK$1,800
Supplementary Annual Fee	N/A
Fee Waiver
Minimum Monthly Repayment	1.5% of monthly balance + fees
Interest Free Period	Up to 58 days

Local Resident	HK$240,000
Foreigner	HK$360,000

Mastercard

Annual Interest Rate	35.52%
Annual Principal Fee	HK$1,800
Supplementary Annual Fee	N/A
Fee Waiver
Minimum Monthly Repayment	1.5% of monthly balance + fees
Interest Free Period	Up to 58 days

Foreigner	HK$60,000

Annual Interest Rate	35.52%
Annual Principal Fee	HK$1,800
Supplementary Annual Fee	N/A
Fee Waiver	Yes
Minimum Monthly Repayment	1.5% of monthly balance + fees
Interest Free Period	Up to 58 days

Local Resident	HK$240,000
Foreigner	HK$240,000

Mastercard

Annual Interest Rate	N/A
Annual Principal Fee	HK$1,800
Supplementary Annual Fee	N/A
Fee Waiver
Minimum Monthly Repayment	1.5% of statement balance + fees. For more info, view T&C
Interest Free Period	58 days

Local Resident	HK$150,000
Foreigner	HK$150,000

Visa

Annual Interest Rate	35.52%
Annual Principal Fee	HK$3,800
Supplementary Annual Fee	N/A
Fee Waiver
Minimum Monthly Repayment	1.5% of monthly balance + fees
Interest Free Period	Up to 58 days

Local Resident	HK$600,000
Foreigner	HK$600,000

Mastercard

Credit Card	Minimum Income	Benefits
Citi Rewards Visa Card	HK$150,000	Earn 5X rewards points when shopping at supermarkets & department stores
Citi PremierMiles Card	HK$240,000	Earn Asia Miles and enjoy travel benefits like airport lounge access
Citi Octopus Platinum Card	HK$150,000	Auto-reload your Octopus card and earn rebates on everyday spending
Citi Clear Card	HK$60,000	Student-friendly credit card with movie ticket discounts
Citi Prestige Card	HK$600,000	Luxurious travel benefits for high-income frequent travelers

Citi Prestige vs Citi PremierMiles- Which miles card to choose?

Citi Prestige

Citi Prestige Card provides high-income frequent travellers with luxurious travel benefits which include free access to over 1000 LoungeKey in more than 500 international airports, free 4th night of accommodation at any hotel, etc. The points earned have no expiry date and can be redeemed for a wide variety of mile options including Air Miles, British Airways, Singapore Airlines, and more free of charge.

Citi PremierMiles

Citi PremieMiles Card boasts a high miles conversion rate of HK$3= 1 miles for overseas spend and a flexible mile redemption option including Avios, KrisFlyer, Flying Blue and Qantas Frequent Flyer to redeem mileage of more than 100 airlines. It also offers up to 12 times of free access to 50+ selected Plaza Premium Lounges worldwide each year. It is a visa signature card which provides cardholders with travel, dining and shopping privileges.

Citi Cash back vs Citi Octopus vs Citi Clear Card- Which cash back card to choose?

Citi Cash back

Citi Cashback offers up to 2 % unlimited cash rebate with no minimum spending requirements throughout the year. It is a visa signature card which provides card members with the relevant privileges.

Citi Octopus

Citi Octopus Platinum Card is designed for people who use Octopus card frequently. Cardholders can enjoy 15% KMB, LWB, CTB and NWFB Bus fare rebate and HK$200= HK$1 Octopus cash back for e-wallet transaction. If your Octopus balance is running low, HK$250 will be added to your card automatically.

Citi Clear Card

With Citi Clear Card, you can earn 2% cash rebate on online spending in foreign currency and enjoy a wide range of movie ticket benefits including 2 for 1 movie tickets at Cinema City on selected days and discounted tickets at Citi Studio.

Citibank Credit Card Promotions

Dining Offers

With eligible Citibank cards, cardholders can enjoy a vast array of dining offers from fine dining to hotel dining and from Chinese cuisine to international cuisine at participating restaurants throughout the year. Hot deals include Kids Dine Free with 2 Buffets Ordered at Cafe Marco and Three on Canton, 10% off lunch and dinner buffets and a la carte food items at the Food Gallery- The Langham, Hong Kong, 10% off a la carte dining at maze Grill, Complimentary medium drink upgrade at McCafe etc.

Travel Offers

Eligible Citibank cardholders can take advantage of Citi card’s travel benefits when booking car rental services, sightseeing tours, accommodations and flights at participating merchants with Citibank cards throughout the year. For example, cardholders can enjoy up to HK$200 off on designated tours at Morning Star Travel and enjoy up to 20% off with KKday and 5% off with Klook, etc.

Shopping Offers

Citibank offers a wide variety of year-round shopping offers from household items to sportswear and from jewellery and fashion, etc. to cardmembers. Participating brands include Links of London, GigaSports, Chow Tai Fook, Fortress, Pricerite, etc.

Citi Credit Card Reward Programs

Air Mile Credit Card

Citi PremierMiles Card, Citi Rewards Visa Card and Citi Prestige Card are among the best air mile cards Citi offers. Before you apply, it is important to understand the features of each card and your spending pattern. To make your money go further, you should be aware of the minimum annual threshold and year-round travel privileges.

Citi Rewards Visa Card has a friendly minimum annual salary requirement of HK$150,000 and it offers 8X Points for spending at supermarkets, department stores, and telecom providers. If you are a frequent shopper in these categories, this card suits you.
Citi PremierMiles Card provides flexible redemption options including Avios, KrisFlyer, etc and it features a high earning ratio of HK$3= 1 mile for overseas spending. If you are a frequent traveller, this card matches your spending pattern.
Citi Prestige Card targets high-income earners with a minimum of HK$600,000 annual income. High-earners can consider applying for this credit card to enjoy its privileges such as a complimentary 4th night at any hotel and free access to designated lounges.

Cash Rebate Credit Card

Cash rebate is simple and the rebate earned will be credited to your card account in the next statement:

Citi Cash Back Card offers 2% unlimited cash rebate with no minimum spending requirements on global dining and hotel spending throughout the year.
Citi Clear Card offers up to 2% cash rebate on online spending in foreign currency. The cash rebate earned from eligible transactions (online bill payment and transactions through Faster Payment System (FPS) Service excluded) will be credited directly to the eligible card account in the next statement.

Reward Point Credit Card

Rewards points are flexible and can be used for a number of redemption options from vouchers, gifts to air miles. Citi offers a full range of reward point credit cards, one of which is Citi Rewards Visa Card.

Citi Rewards Visa Card has a friendly minimum income requirement of HK$150,000/ year and it offers 8X Points for spending at supermarkets, department stores, and telecom providers. Points earned never expire. Cardholders can make use of the online redemption platform Citi ThankYou Rewards to redeem a host of rewards including gift vouchers, gifts, miles, and cash rebates, etc. in a few simple steps. Cardholders can also offset credit card spending with Points earned through the City Pay with Points program.

How to apply for Citibank credit card

Step 1Eligibility Criteria

Age: over 18 years old
Residential status: Hong Kong resident
Financial requirement: fulfil the minimum annual income requirement stipulated by the card you wish to apply. In some cases, proof of asset can also be accepted.

Step 2Documents Required

Proof of identity: HKID copy/ valid passport issued by place of origin
Proof of income: payslip/ bank statements/ passbook records
Proof of address: utility bill/ bank statement or posted mail by a bank within the past 3 months

Step 3Application Process

Submit application form online
Upload supporting documents
Citibank will then process the application once the application and supporting documents are received
The new credit card will be sent to you by mail upon successful application

Citibank Credit Card Hotline

Want to speak to a customer service officer from Citibank? Just dial the Citibank credit card hotline at 2860 0333 and follow the instructions. Here are some quick “shortcuts”: 1) Check credit card balance and transaction history: Press 2, followed by your account number. 2) Report stolen or lost Citibank credit cards: Press 2, then * 1 #. 3) Activate a new Citibank credit card: Press 2, then * 2 #.

Credit Card Recommendations 2020

There is no such thing as the best credit card for everyone, but here’s a wise tip: choose a credit card that fits your spending habit to maximize the benefits!

Frequently Asked Questions

How do I check my Citibank credit card limit?: The easiest way to check your account balance and the available limit is to log in to your Citibank internet banking.
How long does it take to get Citibank HK credit card?: It usually takes 7 to 10 working days from the time you submit the complete credit card application.
How can I unblock my Citi HK credit card?: Please call 2860 0333 and speak to a customer service officer to unblock your Citi card.
How long will my Citibank credit card take to get approved?: Citibank typically takes 7 to 10 working days from the time you submit a complete credit card application (including all supporting documents) to approval. This includes a follow-up to verify your submitted details.
How do I check my Citibank credit card application status?: You can call the Citibank phone banking hotline at 2860 0333 to inquire about your credit card application status. Press 2 for English, then *2 for Non-Account Services, then 2 for Card Application Status Inquiry.
How do I waive my Citibank credit card annual fee?: Some Citibank credit cards already come with first-year annual fee waivers. Subsequently, it’s possible to get an annual fee waiver with selected Citibank credit cards if you’ve spent a certain amount on that card in the past year. You would typically need to call in to request a fee waiver.

Best Citibank Credit Cards in Hong Kong

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Citi PremierMiles Card

Key Features

Annual Interest Rate and Fees

Minimum Income Requirements

Card Association

Citi Rewards MasterCard

Key Features

Annual Interest Rate and Fees

Minimum Income Requirements

Citi Cash Back Card

Promotions

Key Features

Annual Interest Rate and Fees

Minimum Income Requirements

Card Association

Citi Octopus Platinum Card

Promotions

Key Features

Annual Interest Rate and Fees

Minimum Income Requirements

Card Association

Citi Prestige Card

Key Features

Annual Interest Rate and Fees

Minimum Income Requirements

Card Association