Citi Rewards MasterCard

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 December 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

1. The “Qualifying Period” will be from 3 November 2026 to 30 November 2026

2. Apply for a designated Citi credit card through MoneySmart (Citi Cash Back / Citi PremierMiles/ Citi Rewards Mastercard / Citi Rewards UnionPay )

3. Customers must complete and submit the redemption form after logging in to MoneySmart on or before 10 December, 2026

4. 【🎰Spender Mega Draw WOW】
   From 2 Nov 2026 to 31 Jan 2027 (both dates inclusive), register for “The WOW Gifts” draw and accumulate HK$15,000 in eligible spending with your Citi Mastercard* for a chance to win one of 1,000+ “WOW Gifts”, including but not limited to:
   ・iPhone Duo 512GB Night Sky (3 winners)
   ・Pokémon PSA 10 Verified Card, Limited Edition Van Gogh Pikachu (4 winners)
   ・PlayStation 5 Slim Console + Grand Theft Auto VI (5 winners)
   ・Nintendo Switch 2 Console (5 winners)

   
   

   Once you reach the spending requirement, you’ll also be entered automatically into “The WOW Journeys” draw, with no registration needed. 5 winners will each get a HK$100,000 “Travel Your Way” package!

   
   

   Draw chances are uncapped. Local spending earns 1 chance for every HK$3,000, and foreign-currency spending earns 2 chances for every HK$3,000. Citigold and Citigold Private Client customers get their total chances ×2!
   Note: A cardholder who wins “The WOW Journeys” will not be eligible for “The WOW Gifts” draw.
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   * “The WOW Gifts” campaign is only applicable to Citi Mastercard Credit Cards. Details: citibank.hk/megadraw

5. 【❇️ Loan Bundle Reward】From 1 to 30 November 2026, new customers who successfully apply for designated Citi products via MoneySmart and fulfil both requirements below on or before 31 December 2026 will earn an extra HK$1,000 cash reward:
   1. Apply for a designated Citi credit card and accumulate HK$4,000 or more in eligible spending within 30 days of card approval (the card must be approved on or before 31 December 2026);
   2. Apply for Citi Speedy Cash / Citi Tax Season Loan / Citi Card Debt Consolidation Loan and successfully draw down HK$200,000 or more on or before 31 December 2026 (repayment tenor of 12 months or more).
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   Customers must complete and submit Citi Credit Card redemption form before 10 December 2026; and the Citi Loan redemption form after logging in to MoneySmart before 14 December 2026.

   
   
   Applications can be submitted in any order, and no additional registration is needed. Once eligibility is confirmed, MoneySmart will automatically fulfil the extra HK$1,000 cash on top of your original welcome reward (automatically converted from 10,000 SmartPoints and deposited directly into your FPS account). T&Cs applies.

6. 🔐【 New! Enhanced Online Payment Security 】Citi's virtual credit card features a Dynamic CVC that automatically refreshes for each transaction, while supporting seamless recurring payments and automatic card detail updates upon renewal or replacement.