Citi Rewards MasterCard
Apply through MoneySmart and redeem for any of these:
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MoneySmart Exclusive
HK$2,000 Apple Store Gift Card
HK$2,000 Apple Store Gift Card
MoneySmart Exclusive
HK$2,000 ParknShop e-Vouchers
HK$2,000 ParknShop e-Vouchers
MoneySmart Exclusive
Philips RO Water Dispenser ADD6910DG - Grey (Value: HK$3,388)
Philips RO Water Dispenser ADD6910DG - Grey (Value: HK$3,388)
MoneySmart Exclusive
8 × Plaza Premium Lounge APAC 3-hour Access Pass (Value: HK$5,200)
8 × Plaza Premium Lounge APAC 3-hour Access Pass (Value: HK$5,200)
MoneySmart Exclusive
HK$2,000 Trip.com e-Vouchers
HK$2,000 Trip.com e-Vouchers
MoneySmart Exclusive
Philips NA547/07 Multifunction Airfryer with Steam (7.2L) (Value: HK$2,398, random color)
Philips NA547/07 Multifunction Airfryer with Steam (7.2L) (Value: HK$2,398, random color)
【Flash Offer】Grab Trip.com Hotel & Flight Promo Codes + HK$2,000 Vouchers or Upgraded Gifts Worth Up to HK$5,200! 🎉
From 1 June to 8 June 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 July 2026) can receive one of the following rewards 🎁:
✈️ 8× Plaza Premium Lounge APAC 3-hour Access Pass (Total value: HK$5,200)
✈️ 4× Hong Kong Plaza Premium First with Infinity Room 3-hour Access Pass (Total value: HK$4,600)
🎁 Philips RO Water Dispenser ADD6910DG - Grey (Value: HK$3,388)
🎁 Philips NA547/07 Multifunction Airfryer with Steam (7.2L) (Value: HK$2,398)
💳 HK$2,000 Apple Store Gift Card / ParknShop e-Vouchers⠀⠀
＋ Trip.com 8% 🏨 Hotel Booking Promo Code + HK$100 Flights ✈️ Promo Code (upon claim submission)！T&Cs applied.
Valid till 08 Jun 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 July 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 1 June 2026 to 8 June 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 7 July, 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 conditionsPlaza Premium Lounge APAC 3 hrs Access Pass - Valid at 15+ locations across HKG, SIN, BKK, TPE, SYD & more. HKG Bonus: Choice of lounge access or an exclusive set menu at INTERVALS Sky Bar & Restaurant!
Card Details
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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.