Citi Rewards MasterCard
Apply through MoneySmart and redeem for any of these:
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MoneySmart Exclusive
PHILIPS RO Water Dispenser ADD6920/90 (Value: HK$4,288, random color)
PHILIPS RO Water Dispenser ADD6920/90 (Value: HK$4,288, random color)
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
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
Cambridge Audio Ultra Compact Active Stereo Speakers (Value: HK$3,980), redeem at a discounted price of HK$800
Cambridge Audio Ultra Compact Active Stereo Speakers (Value: HK$3,980), redeem at a discounted price of HK$800
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
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
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
MoneySmart Exclusive
Insta360 X6 (Essential Bundle) (Value: $5,699), redeem at a discounted price of HK$3,000
Insta360 X6 (Essential Bundle) (Value: $5,699), redeem at a discounted price of HK$3,000
MoneySmart Exclusive
HK$2,400 ParknShop e-Vouchers
HK$2,400 ParknShop e-Vouchers
MoneySmart Exclusive
HK$2,400 Apple Store Gift Card
HK$2,400 Apple Store Gift Card
MoneySmart Exclusive
2 x Apple AirPods 5 with Wireless Charging Case (Value: HK$2,498)
2 x Apple AirPods 5 with Wireless Charging Case (Value: HK$2,498)
MoneySmart Exclusive
Trip.com 8% Hotel Booking Promo Code + HK$100 Flights Promo Code (upon claim submission, terms & conditions applied)
Trip.com 8% Hotel Booking Promo Code + HK$100 Flights Promo Code (upon claim submission, terms & conditions applied)
⚡【September Flash Offer ✨ Upgraded Gifts or Up to HK$2,400 Cash Voucher! Rewards Worth Up to HK$6,488 +Trip.com Promo Codes! 🎉】
From now until 17 September 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 31 October 2026) can receive one of the following rewards:
🎁 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
🎁 2 x AirPods 5 with Wireless Charging Case (Value: HK$2,498) or
💳 HK$2,400 Apple Store Gift Card / HK$2,400 ParknShop e-Vouchers or⠀
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Plus, choose from 4 upgraded rewards available for redemption at a special price with a designated Citibank credit card:
🎁 Cambridge Audio Ultra Compact Active Stereo Speakers (Value: HK$3,980), 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 X6 (Essential Bundle) (Value: $5,699), redeem at a discounted price of HK$3,000⠀
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＋ Trip.com 8% OFF 🏨 Hotel Booking Promo Code + HK$100 Flights ✈️ Promo Code (upon claim submission)！T&Cs applied.
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【📱Phone First, Work Later: HK$100K+ Worth of Prizes Up for Grabs🔥 Citi Bonus: Score an Extra Flagship Phone!】
From 11 September to 11 October 2026, successfully apply for any designated product via MoneySmart and meet the eligibility requirements, you can participate in the "Phone First, Work Later" mini game on the campaign page ⏩ Top 100 Eligible Participants with the highest scores will win prizes worth over HK$100,000 in total, iPhone Duo, iPhone 18 Pro Max, Apple Watch Ultra 4, and more!
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〖🏁Citi Credit Card Customer Exclusive〗Apply for designated Citi credit card(s) and achieve the highest score among Citi eligible participants to win an extra 🏆 iPhone 18 Pro Max 256 GB! If you also top the overall leaderboard, you could take home up to 2 new smartphones!
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Visit the campaign page for details. T&Cs apply.
Valid till 17 Sep 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 31 October 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 September 2026 to 17 September 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 September, 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【📱Phone First, Work Later: Let the Top Scorers Get the Phone First!】
From 11 September 2026 (12:00 noon) to 11 October 2026 (11:59 pm), customers who successfully apply for any designated product via MoneySmart (including credit cards, loans, investment accounts and travel insurance) with the eligibility requirements fulfilled, join the Mini Game on the campaign page, and submit your result in the reward redemption form. Top 100 Eligible Participants with the highest scores will stand a chance to win iPhone Duo, iPhone 18 Pro Max, Apple Watch Ultra 4 and Apple Store Gift Cards!
【Campaign and Score Submission Rules】
・Submission Deadline: Eligible Customers must submit the claim form on or before 24 October 2026, along with a valid screenshot of their Mini Game score.
・More Applications, More Chances: For each successful application of a designated product, you may submit one form and one Mini Game score. You may replay the Mini Game an unlimited number of times to refresh your best score, and upload your most satisfactory score screenshot when submitting the form.
・Scores Cannot Be Reused: Each Mini Game score screenshot can only be used for single claim form; the same score record must not be reused.
・Results Announcement: The winner list will be announced on MoneySmart's social media page on 12 February 2027.
・Terms and Conditions: Please refer to the campaign page for details. Offer is subject to terms and conditions.
Card Details
Good For
Things to Note
Disclaimer: At MoneySmart.hk, we strive to keep our information accurate and up to date. This information may be different than what you see when you visit a financial institution, insurance company, service provider or specific product’s site. For any discrepancy in product information, please refer to the financial institution’s website for the most updated version. All financial products and services are presented without warranty. Additionally, this site may be compensated through third party advertisers. However, the results of our comparison tools which are not marked as sponsored are always based on objective analysis first.
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.