^HK$150,000

Min. Annual Salary

3.2%

Cash back on local spend

$3 = 1 Mile

Miles Conversion (local spend)

All Details

• Key Features

  • Enjoy 5X rewards points all year round (HK$3 = 1 mile) and 8X rewards points during your birthday month (HK$1.875 = 1 mile) at supermarket, department stores and telecom providers, including autopay of telecommunication bill payments

  • Welcome offer up to HK$800 supermarket cash coupon

  • Points that never expire, redeem designated cash coupons, movie tickets & air miles at Citi ThankYou Rewards online or instantly offset spending anytime with Citi Pay with Points

  • 250 Points = Instantly offset HK$1 spending

  • E-wallet transaction is eligible as welcome offer spending (PayMe, WhChat Pay, AliPay, etc.)

  • Low annual income requirement, first year annual fee waiver

Bill Payment

• Autopay service available for Towngas and CLP

• Earn 5x points on spending at telecom providers in Hong Kong all year round, and an extra 3x points during cardholders' birthday month

Annual Fee Waiver

• First-year annual fee waiver (HK$1,800)

• Call in Citibank customer service hotline: 2860 0333 to request for an annual fee waiver

Cash Back

• Enjoy 5X rewards points all year round (HK$3 = 1 mile) and 8X rewards points during your birthday month (HK$1.875 = 1 mile) at selected merchants, including autopay of telecommunication bill payments

• Supermarket: Wellcome, Park'n Shop, AEON, HKTVmall & city' super

• Department Stores: AEON, Wing On, SOGO, Lane Crawford & FACES

• Telecom Providers: csl., Smartone, 3, SUN Mobile ＆HKT

• Points that never expire, redeem designated cash coupons (McDonald's, Pizza Hut, Starbucks & IKEA), movie tickets (MCL Cinema) & air miles at Citi ThankYou Rewards online or instantly offset spending anytime with Citi Pay with Points

• 250 Points = Instantly offset HK$1 spending

Welcome Offers

• Spending HK$10,000 or more within first 2 months, get Mandarin Oriental Hotel Hong Kong - Afternoon Tea set coupon for 2 persons

• Or Up to HK$800 Cash Rebate (200,000 Points)

Air Miles

• HK$15 (or equivalent foreign currency) = 1 air mile

• Enjoy 4X bonus points all-year-round (HK$3 = 1 mile) at designated merchants

• Enjoy 3X bonus points during your birthday month (HK$1.875 = 1 mile) at designated merchants

• Designated merchants include AEON, Marks & Spencer, Smartone, PARK'N SHOP etc.

• Earned rewards points never expire

• Hong Kong International Airport Lounge Access: enjoy one of the following lounge services for HK$250: Plaza Premium Lounge: 2-hour lounge usage or 15-minute seated massage. Wellness Spa & Salon: 2-hour lounge usage or Shampoo & blow-dry services or 15-minute seated massage.

• Enjoy year round offers/ privileges across the town

Online Shopping

• 0.4% cash rebate on local spending

• Enjoy 8% off in hotel bookings at Hotels.com by visiting www.hotels.com/

• Enjoy 9% off in hotel bookings at Expedia by visiting www.expedia.com.hk/citi

• Get 5% off the whole shopping cart at Pricerite.com.hk (coupon code: 'PHLCITI')

• Redeem your ThankYou Rewards Points for Apple products, including iPhone and phone accessories

Dining

• Offset dining spending anytime with Citi Pay with Points (250 Points = offset HK$1 spending)

• 10% off a la carte menu at Mamasan Kitchen Bar & Lounge

• Points are redeemable for cash coupons for popular dining spots and cafes in Hong Kong

• 12,500 Points = HK$50 Starbucks Card or HK$50 Haagan Dazs gift voucher

Digital Wallets

• Earn HK$15/ mile from digital wallet transactions

• Digital wallet transactions are eligible for welcome offer spending requirements

• Rewards points never expire

Best Credit Cards

• 5X rewards points on spending at select supermarkets, department stores and telecom providers (HK$3 = 1 mile); 8X reward points on your birthday month (HK$1.875 = 1 mile)

• Redeem designated cash coupons with at least 10% off, movie tickets, air miles or instantly offset spending anytime with points that never expire

• First Year Annual Fee Waiver

Student

• New customer with spending of HK$2,500 or above within 2 months after card issuance can redeem 30,000 points

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

Foreigner	HK$60,000