Citi Rewards MasterCard
Apply through MoneySmart and redeem for any of these:
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MoneySmart Exclusive
HK$2,200 Apple Store Gift Card
HK$2,200 Apple Store Gift Card
MoneySmart Exclusive
HK$2,400 ParknShop e-Vouchers
HK$2,400 ParknShop e-Vouchers
MoneySmart Exclusive
HK$2,400 PlayStation Store Digital Voucher
HK$2,400 PlayStation Store Digital Voucher
MoneySmart Exclusive
Dyson Supersonic Nural™ hair dryer HD16 (Value: HK$3,990, random color)
Dyson Supersonic Nural™ hair dryer HD16 (Value: HK$3,990, random color)
MoneySmart Exclusive
PHILIPS ADD6922CG Hot and Cold RO Water Dispenser with Auto Ice-Maker (Value: HK$6,488, redeem at a discounted price of HK$2,000 with designated Citi credit card)
PHILIPS ADD6922CG Hot and Cold RO Water Dispenser with Auto Ice-Maker (Value: HK$6,488, redeem at a discounted price of HK$2,000 with designated Citi credit card)
MoneySmart Exclusive
Insta360 Ace Pro 2 Dual Battery (Standard Bundle) (Value: HK$3,279, redeem at a discounted price of HK$800 with designated Citi credit card)
Insta360 Ace Pro 2 Dual Battery (Standard Bundle) (Value: HK$3,279, redeem at a discounted price of HK$800 with designated Citi credit card)
MoneySmart Exclusive
PHILIPS RO Water Dispenser ADD6920WH/90 (value: HK$4,288)
PHILIPS RO Water Dispenser ADD6920WH/90 (value: HK$4,288)
MoneySmart Exclusive
Medicube Age-R Booster Pro X2 9 in 1 Facial Beauty Device (Value: HK$3,000, random color)
Medicube Age-R Booster Pro X2 9 in 1 Facial Beauty Device (Value: HK$3,000, random color)
MoneySmart Exclusive
4 × Hong Kong Plaza Premium First with Infinity Room 3-hour Access Pass (Value: HK$4,600)
4 × Hong Kong Plaza Premium First with Infinity Room 3-hour Access Pass (Value: HK$4,600)
MoneySmart Exclusive
Insta360 Luna Ultra (Creator Bundle) (Value: HK$6,999, redeem at a discounted price of HK$4,300 with designated Citi credit card)
Insta360 Luna Ultra (Creator Bundle) (Value: HK$6,999, redeem at a discounted price of HK$4,300 with designated Citi credit card)
MoneySmart Exclusive
Dyson Airwrap Co-anda2x™ multi-styler and dryer HS09 (Value: HK$5,698), redeem at a discounted price of HK$1,300
Dyson Airwrap Co-anda2x™ multi-styler and dryer HS09 (Value: HK$5,698), redeem at a discounted price of HK$1,300
⚡【7-Day Flash Offer ✨ Upgraded Gifts or Up to HK$2,400 Cash Voucher! Rewards Worth Up to HK$6,999 +Trip.com Promo Codes! 🎉】
From now until 17 August 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 30 September 2026) can receive one of the following rewards:
✈️ 4 x Hong Kong Plaza Premium First with Infinity room 3 hrs Access Pass (Total value: HK$4,600) or
🎁 PHILIPS RO Water Dispenser ADD6920/90 (Value: HK$4,288, random color) or
🎁 Dyson Supersonic Nural™ Hair Dryer HD16 (Value: HK$3,990, random color) or
🎁 Medicube Age-R Booster Pro X2 9 in 1 Facial Beauty Device (Value: HK$3,000, random color) or
💳 HK$2,200 Apple Store Gift Card / HK$2,400 PlayStation Store Digital Voucher / ParknShop e-Vouchers
Additional top-up gift options with Citi Credit Card redemption:
🎁 Insta360 Ace Pro 2 Action Camera Dual Battery Version (Standard Bundle) (Value: HK$3,279) — redeem at a discounted price of HK$800 or
🎁 Dyson Airwrap Co-anda2x™ multi-styler and dryer HS09 (Value: HK$5,698), redeem at a discounted price of HK$1,300 or
🎁 PHILIPS ADD6922CG Hot and Cold RO Water Dispenser with Auto Ice-Maker (Value: HK$6,488) — redeem at a discounted price of HK$2,000 or
🎁 Insta360 Luna Ultra Creator Bundle (Value: HK$6,999) — redeem at a discounted price of HK$4,300 or
＋ Trip.com 8% OFF 🏨 Hotel Booking Promo Code + HK$100 Flights ✈️ Promo Code (upon claim submission)！T&Cs applied.
⠀⠀
【🏖️Summer Hunt: The Great Cat Chase🔎】 Grab a chance to win a PS5!
From August 12 to August 21, 2026, customers successfully apply for a designated credit card through MoneySmart, and count the total number of all hidden cats🐱 on the campaign page, and submit your answer in the reward redemption form; the Eligible Participant who submit the correct answer will have the chance to win a SONY PlayStation 5 Digital Edition 825GB (Slim Version) (Value: HK$4,257)🎁 or other prizes including Cambridge Audio speaker, GTA 6 and Apple Store gift cards! T&Cs applied.
Valid till 17 Aug 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 30 September 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
The “Qualifying Period” will be from 11 August 2026 to 17 August 2026
Apply for a designated Citi credit card through MoneySmart (Citi Cash Back / Citi PremierMiles/ Citi Rewards Mastercard / Citi Rewards UnionPay )
Customers must complete and submit the redemption form after logging in to MoneySmart on or before 27 August, 2026
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【🏖️Summer Hunt: The Great Cat Chase🔎】
During the Promotion Period from 12 August to 21 August 2026, customers who successfully apply for a designated eligible credit card via MoneySmart with relevant requirement fulfilled (if applicable), count the total number of all hidden cats🐱 on the campaign page, and submit your answer in the reward redemption form. The Eligible Participant who submits the correct answer will have a chance to win one of the exciting rewards, including:
・Grand Prize (1 winner): SONY PlayStation 5 Digital Edition 825GB (Slim Version) (Value: HK$4,257, random color)
・2nd Prize (1 winner): Cambridge Audio Ultra Compact Active Stereo Speakers / Cambridge Audio L/R S (Value: HK$3,980, random color)
・3rd Prize (5 winners): Grand Theft Auto for PS5 (Standard Version, random color) (Value: HK$568)
・4th Prize (25 winners): HK$200 Apple Store Gift CardTerms and conditions apply.
Card Details
Good For
Things to Note
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Citi Rewards Card Detail
| Citi Rewards Card | Min. Annual Salary | Cash back on local spend (by contactless transactions) |
|---|---|---|
| Citi Rewards Card Citi Rewards Card | Min. Annual SalaryHK$120,000 | Cash back on local spend (by contactless transactions)1% |
Citi Rewards Card Pros and Cons
Citi Rewards Card Pros
- Points will never expire
- Cardholders can redeem points earned for a wide range of rewards ranging from designated cash coupons, and movie tickets to air miles at Citi ThankYou℠ Rewards online.
- Cardholders can also instantly offset spending with Citi Pay with Points (250 Points = Instantly offset HK$1 spending)
- 3% points rebate on shopping + entertainment
- 1% points rebate on contactless transactions without restrictions on spending categories
Citi Rewards Card Cons
- Annual fee of HK$1,800 will be charged except for the first year
- 1% points rebate only applicable to eligible contactless transactions
- HK$200 will be charged for redeeming every18,000 points
Citi Rewards Cashback Rate
| Transaction Method | Cashback Rate | |
|---|---|---|
| Transaction Method Wallet transactions (Apple Pay, Google Pay and Samsung Pay) | Cashback Rate1% | |
| Transaction Method Local transactions on shopping + entertainment | Cashback Rate3% | |
| Transaction Method Foreign transactions on shopping + entertainment | Cashback Rate3% |
Citi Rewards Card Reviews: Citi Rewards Card VS Other Cashback Credit Cards
| Credit Cards | Local Spend | Overseas Spend |
|---|---|---|
| Credit CardsCiti Rewards Card (Shopping and entertainment categoires) | Local Spend 3% | Overseas Spend 3% |
| Credit CardsStandard Chartered Simply Cash Card | Local Spend 1.5% | Overseas Spend 2% |
| Credit CardsWeWa Unionpay Diamond Card | Local Spend 4% (Only in Travel, Theme Park, Cinema and Karaoke Categories) | Overseas Spend 0.4% |
| Credit CardsHang Seng enjoy Card | Local Spend 2% | Overseas Spend ／ |
Citi Rewards vs Citi Cash Back
Citi Rewards Card vs Citi PremierMiles Card
With Citi Rewards, the points you earn will never expire. It can be used to redeem designated cash coupons, movie tickets, and air miles at Citi ThankYou Rewards online or it can be used to instantly offset spending anytime with Citi Pay with Points.
Citi Rewards Card VS Standard Chartered Simply Cash Card
Citi Rewards Card vs EarnMORE Card
Citi Rewards “Ineligible Transactions”
2. For Citibank Credit Card accounts denominated in CNY, invalid transactions incurred in Mainland China (excluding Hong Kong and Macau) not eligible for Points include, but are not limited to, properties, automobile, wholesales, air tickets, fuel, supermarkets, hospitals and schools, and other charges designated by Citibank from time to time.
FAQ
What is the annual fee for Citi Rewards? Can it be waived?
- The annual fee for Citi Rewards is HK$1,800 and it can be waived for the first year. From second year onwards, you can try to call the Citibank hotline at +852 2860 0333 and request it to be waived.
Can students apply for Citi Rewards Card？
- No, as the annual salary requirement is HK$120,000.
Are there fees relating to foreign currency transactions?
- Yes, 1.95% will be charged as foreign currency transaction admin fee.
How to redeem Citi Rewards points?
- You can redeem the points earned at Citi ThankYou℠ Rewards for a wide range of rewards ranging from designated cash coupons, and movie tickets to air miles at Citi ThankYou℠ Rewards online.
Does Citi Rewards offer lounge access?
- Yes, cardholders of Citi Rewards can enjoy Plaza Premium Lounge for 2 hours for HK$250. Also, cardholders of Citi Rewards UnionPay Card who spend HK$12,000 within two consecutive months can enjoy 3 times free airport lounge access in more than 130 designated LoungeKey airport lounges around the Greater China in Chinese Mainland, Hong Kong, Macao and Taiwan.
Why Choose MoneySmart?
MoneySmart is a trusted one-stop financial and insurance product comparison platform designed to save you time and money.
- Established Brand History: Founded in Singapore in 2009, the MoneySmart Group has evolved into a leading personal finance brand.
- Exclusive Offers from Official Partners: We partner with major banks in Hong Kong (such as Standard Chartered, HSBC, and Citibank), renowned insurance companies (such as Allianz, AXA, Starr, BlueCross and more), and top licensed brokerages to bring you exclusive offers.
- AI-Driven Personalized Recommendations: Through data analysis and smart matching, all users receive financial solutions tailored to their specific goals, rather than one-size-fits-all options.
- Clear Reward Tracking and Redemption Process: Our platform features a standardized reward redemption procedure backed by live customer service support, ensuring eligible users reliably receive their promised rewards.