^HK$150,000

Min. Annual Salary

2%

Cash back on local spend (by contactless transactions)

$3 = 1 Mile

Miles Conversion (local spend)

All Details

• Key Features

  • 5x Points on contactless transactions(Apple Pay/Google Pay/Samsung Pay/PayWave/PayPass/QuickPass) without spending categories limitation (from shopping, entertaining to dinning)

  • Pay by QuickPass earn extra 5X points, total earn 10X points (4% cash back)

  • Pay by UnionPay app earn total 6X points

  • Welcome offer up to HK$800 cash rebate

  • 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

• Earn up to HK$1,500 Spending Rebate by using Citi PayAll wisely to settle payments with credit cards

• Details please refer to here

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

Dining

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

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

Air Miles

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

• Earned rewards points never expire

• Enjoy year round offers/ privileges across the town

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)

• Click here for Terms and Conditions

Cash Back

• 5x Points on contactless transactions(Apple Pay/Google Pay/Samsung Pay/PayWave/PayPass/QuickPass) without spending categories limitation (from shopping, entertaining to dinning)

• Get HK$60 instant discount at DON DON DONKI with spending of HK$500 or above

• 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

Best Credit Cards

• 5x Points on contactless transactions(Apple Pay/Google Pay/Samsung Pay/PayWave/PayPass/QuickPass) without spending categories limitation (from shopping, entertaining to dinning)

• First Year Annual Fee Waiver

Digital Wallets

• 5x Points on contactless transactions(Apple Pay/Google Pay/Samsung Pay/PayWave/PayPass/QuickPass) without spending categories limitation (from shopping, entertaining to dinning)

• Pay by QuickPass earn extra 5X points, total earn 10X points (4% cash back)

• Digital wallet transactions are eligible for welcome offer spending requirements

• Rewards points never expire

Online Shopping

• 0.4% cash rebate on local spending

• 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

• Pay by UnionPay app earn extra 5X points, total 6X points.

Student

• New customer with spending of HK$2,500 or above within 2 months after card issuance can get $200 cash rebate or 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