Citi Rewards MasterCard
Citi Rewards MasterCard
- HK$120,000
- Minimum Income Requirements
- 8.1X points
- Rebate on Shopping & Entertainment Transactions
- As low as $1.8 = 1 Mile
- Miles Conversion (Shopping and entertainment spending)
【⚡️Freshly Released, Exclusively Yours - Get the Latest Apple Products!】
From 22 September until 30 September 2025, New Customers who successfully applied for a designated Citi credit card via MoneySmart with eligible spending of HK$4,000 after card issuance, can earn one of the following exciting rewards:
・🔥🆕 Apple Watch SE 3 (GPS) 40mm (Value: HK$1,999)
・🔥🆕 AirPods Pro 3 (Value: HK$1,849)
・HK$1,800 Apple Store Gift Card / PARKnSHOP Supermarket Voucher or
・Medicube Age-R Booster Pro 6 in 1 Facial Beauty Device (Value: HK$3,700) or
・[Hot Pick!] PHILIPS RO Water Dispenser ADD6921DG/90 (Value: HK$5,488, top up with HK$1,300) or
・LG PuriCare™ AeroBooster (Pet Version) (Value: HK$6,550, top up with HK$1,600)
⠀⠀
【 9.21 - 9.30 BONUS ROUND 2: Unlock a Whole New World of Flagship Phone✨】
📆 Daily: First 20 eligible claimants @10PM get extra HK$200 Apple Store Gift Card
📱Win an Apple Store Gift Card equivalent in value to redeem the latest flagship phone/ Apple Watch Series 11/ Airpods Pro 3: Apply for any designated product via MoneySmart and share the most creative response on the claim rewards form. More applications, better your odds - Grab the fresh drops now! Visit the event page for more details.
Are you eligible?
This welcome offer is only applicable to Cit New Customers
Apply for a designated Citi credit card through MoneySmart and the application is approved on or before 6 November 2025
Must perform accumulated transactions of HK$4,000 within 30 days of card issuance
Please note: Before the application through 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 22 September 2025 to 30 September 2025
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 6 November, 2025
All students' credit cards are not applicable to current MoneySmart exclusive promotion. New Customers who are full time students of degree / diploma program of a Hong Kong Tertiary Institution will only be entitled to designated welcome offer for students.
For this promotion, customers will not be eligible to enjoy the welcome offer provided by Citibank.
All Details
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Apply directly on MoneySmart
Citi Rewards Card Detail
| Citi Rewards Card | Min. Annual Salary | Cash back on local spend (by contactless transactions) |
|---|---|---|
| Citi Rewards Card | HK$120,000 | 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 | |
|---|---|---|
| Wallet transactions (Apple Pay, Google Pay and Samsung Pay) | 1% | |
| Local transactions on shopping + entertainment | 3% | |
| Foreign transactions on shopping + entertainment | 3% |
Citi Rewards Card Reviews: Citi Rewards Card VS Other Cashback Credit Cards
| Credit Cards | Local Spend | Overseas Spend |
|---|---|---|
| Citi Rewards Card (Shopping and entertainment categoires) | 3% | 3% |
| Standard Chartered Simply Cash Card | 1.5% | 2% |
| WeWa Unionpay Diamond Card | 4% (Only in Travel, Theme Park, Cinema and Karaoke Categories) | 0.4% |
| Hang Seng enjoy Card | 2% | ／ |
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.