^HK$240,000

Min. Annual Salary

HK$8 = 1 mile

Miles Conversion (local spend)

HK$3 = 1 mile

Miles Conversion (overseas spend)

All Details

• Key Features

  • Enjoy up to 12 times complimentary access to airport lounges for every calendar year, flyer Programs to redeem milage of over 100 airlines

  • Welcome offer - Earn up to 108,000 Points

  • Redeem points for cash coupons (McDonald's, Pizza Hut etc.) and movie tickets

  • 250 Points = Instantly offset HK$1 spending

  • Points that never expire

  • HK$8 = 1 Miles on local spending; HK$3 = 1 Miles on overseas and online foreign currency spending

  • Redeem miles or hotel stays with Points, no service charge for mileage conversion

  • Mileage Redemption: 12 Frequent Flyer Programs (Asia Miles, KrisFlyer, Flying Blue & Qantas Frequent Flyer) to redeem mileage of over 100 airlines

  • Hotel Points Redemption: IHG Rewards Club (InterContinental, Holiday Inn, Crowne Plaza, Holiday Inn Express & Hotel Indigo)

  • Up to 12 times complimentary access to more than 50 designated Plaza Premium Lounges worldwide every calendar year

  • Free Travel Insurance

Bill Payment

• Autopay service available for Towngas and CLP
• Cardholders can also earn rewards by payment with AlipayHK, including water bills, electricity bills and more

Annual Fee Waiver

• First-year annual fee waiver (HK$1,800)
• Cardholders can request for an annual fee waiver by calling Citibank customer service hotline: 2860 0333

Dining

• Redeem designated cash coupons (McDonald's, Pizza Hut, Starbucks)
• 250 Points = Instantly offset HK$1 spending
• Enjoy 5% off selected regular priced Wines, Spirits, Sake and Fruit Liqueur at Liquid Gold
• 10% off lunch and dinner buffet at the Food Gallery, the Langham Hong Kong
• 10% off regular-priced white and red wines (excludes Bordeaux wine) at Watson's Wine
• 8% off on ice-cream cakes at Haagen-Dazs in Hong Kong

Overseas Spending

• HK$3 = 1 Miles on overseas and online foreign currency spending
• Redeem miles or hotel stays with Points, no service charge for mileage conversion
• Points that never expire
• Mileage Redemption: 12 Frequent Flyer Programs (Asia Miles, KrisFlyer, Flying Blue & Qantas Frequent Flyer) to redeem mileage of over 100 airlines
• Hotel Points Redemption: IHG Rewards Club (InterContinental, Holiday Inn, Crowne Plaza, Holiday Inn Express & Hotel Indigo)
• Enjoy up to 12 times complimentary access to more than 50 designated Plaza Premium Lounges worldwide every calendar year
• Free Travel Insurance
• Enjoy car rental services: Enjoy 10% off self-drive rentals on Hertz; Up to 37% off international car rental on Auto Europe; HK$300 off upon HK$3,000 bookings on Audi on demand

Digital Wallets

• Earn HK$8/ miles from digital wallet transactions
• Digital wallet transactions are eligible for welcome offer spending requirement
• Free access to airport lounges

Air Miles

• HK$8 = 1 Miles on local spending
• HK$3 = 1 Miles on overseas and online foreign currency spending
• Redeem miles or hotel stays with Points, no service charge for mileage conversion
• Points that never expire
• Mileage Redemption: 12 Frequent Flyer Programs (Asia Miles, KrisFlyer, Flying Blue & Qantas Frequent Flyer) to redeem mileage of over 100 airlines
• Hotel Points Redemption: IHG Rewards Club (InterContinental, Holiday Inn, Crowne Plaza, Holiday Inn Express & Hotel Indigo)
• Enjoy up to 12 times complimentary access to more than 50 designated Plaza Premium Lounges worldwide every calendar year
• Free Travel Insurance
• Enjoy car rental services: Enjoy 10% off self-drive rentals on Hertz; Up to 37% off international car rental on Auto Europe; HK$300 off upon HK$3,000 bookings on Audi on demand

Best Credit Cards

• HK$3 = 1 Mile on overseas spending
• No service charge for mileage conversion
• Complimentary access to airport lounges
• Free complimentary travel Insurance protection up to HK$750,000

Welcome Offers

• Spending HK$10,000 or above within the first 2 months of card issuance, earn 108,000 points (9000 Miles)
• Or Afternoon tea set for two persons at Mandarin Oriental, Hong Kong
• Or HK$800 Wellcome Coupon

Cash Back

• Redeem designated cash coupons (McDonald's, Pizza Hut, Starbucks & IKEA), movie tickets (MCL Cinema) & air miles
• 250 Points = Instantly offset HK$1 spending
• Points that never expire
• Convert Citi points to MoneyBack points (no fee for converting)
• 25,000 Citi points = 5,000 MoneyBack points

Octopus Card AAVS

• Earn HK$8/ mile from Octopus AAVS
• Free access to airport lounges
• Free travel insurance

Annual Interest Rate and Fees

Annual Principal Fee	HK$1,800
Supplementary Annual Fee	N/A
Fee Waiver
Interest Free Period	Up to 58 days
Annual Interest Rate	35.52%
Late Payment Fees	Max HK$250
Minimum Monthly Repayment	1.5% of monthly balance + fees
Foreign Currency Transaction Fee	1.95%
Foreign Check Fee	N/A
Cash Advance Transaction Fee	4% of cash amount
Overlimit Fee	HK$180

Minimum Income Requirements

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

Card Association

Mastercard

Plan Materials

Terms and Conditions	N/A