Best Citibank Credit Cards Hong Kong

Updated June 2019

Choosing a credit card that best fits you is overwhelming, but MoneySmart.hk will help you pick out a good Citibank credit card to complement your spending habits. From latest welcome offers, best cash back to air miles promotions, we've compared and reviewed those best credit cards in Hong Kong for you.

Other Cards

Citi Cash Back Visa Card
Citi Cash Back Visa Card

HK$240,000

Min. Annual Salary

2%

Cash back on local spend

N.A.

Miles Conversion (local spend)

Promotion: 【Promotion till 28 Jun】Welcome offer up to HK$1,640! Include 1,000 cash back for welcome rewards +Extra HK$40 cash rebate for mobile payment + MONEYSMART exclusive HK$500 Voucher!
Best for: Cash back rewards seekers, especially those who frequently spend on dining and local merchants in Hong Kong

Pros

  • Welcome offer HK$1,000 cash back for welcome rewards
  • 2% cash rebate on global dining and hotel spending
  • 2% cash rebate on other spending in foreign currency
  • 1% rebate on e-wallet transaction (PayMe, WhChat Pay, AliPay, Octopus)
  • Enjoy all Visa Signature Privileges

Cons

  • No rebates on bill-payment
Citi PremierMiles Card
Citi PremierMiles Card

$240,000

Min. Annual Salary

0.8%

Cash back on local spend

$8 = 1 Mile

Miles Conversion (local spend)

Promotion: Welcome offer 9,000 Miles (108,000 Points) + Free year-round travel insurance + MONEYSMART exclusive HK$300 Voucher!
Best for: Frequent travellers who would enjoy free travel insurance, good overseas spending conversion rate, and airport lounge access

Pros

  • Welcome offer round trip ticket to Taipei 1 set (108,000 Points)
  • Flexible mile redemption options including Avios, KrisFlyer etc.
  • High miles conversion rate of HK$3 = 1 Miles for overseas spend
  • Short mileage conversion time, only takes 4-8 days
  • Free travel insurance
  • No charge on Dynamic Currency Conversion payment
  • Points do not expire

Cons

  • No miles earned on online bill-payment
Citi Octopus Platinum Card
Citi Octopus Platinum Card

$150,000

Min. Annual Salary

0.5%

Cash back on local spend

N.A.

Miles Conversion (local spend)

Promotion: 【Promotion till 28 Jun】Welcome offer HK$200 Cash Rebate + MONEYSMART exclusive HK$200 Voucher!
Best for: People who use Octopus card frequently and focus on cash rebate

Pros

  • Welcome offer HK$200 Cash Rebate
  • Enjoy 15% KMB, LWB, CTB and NWFB Bus Fare Rebate
  • 2-in-1 credit card with Octopus service, Automatic top up of HK$250 when your Octopus balance is running low
  • HK$200 = HK$1 Octopus cash back, rebate on e-wallet transaction (PayMe, WhChat Pay, AliPay, Octopus)
  • Low annual income requirement for HK$150,000

Cons

  • 0.5% cash back
Citi Clear Card
Citi Clear Card

$60,000

Min. Annual Salary

0.4%

Cash back on local spend

N.A.

Miles Conversion (local spend)

Promotion: 【Promotion till 28 Jun】Welcome offer HK$800 Cash Rebate + Up to 2% cash rebate on online spending + Buy-1-Get-1-Free movie tickets + Priority booking on entertainment shows + MONEYSMART exclusive HK$200 Voucher!
Best for: People who love online spending frequently and love watch movies at the cinema

Pros

  • Welcome offer HK$800 Cash Rebate
  • 2% cash rebate on online spending in foreign currency
  • 10% off Citi Studio 4DX movie tickets, 12% off for 3D / 2D movie tickets (Maximum 8 tickets per transaction), and 10% off for concession items
  • Buy 1 get 1 free on Friday to Sunday for 3D / 2D movie tickets is eligible on local spending HK$500 made by the Citi Clear Card in the same or previous calendar month as the Cinema City movie ticket purchase.
  • Simple approval conditions which students can also apply

Cons

  • Cannot earn mileage
  • No rebates for settling bills via e-banking
Citi Prestige Card
Citi Prestige Card

$600,000

Min. Annual Salary

0.8%

Cash back on local spend

$6 = 1 Mile

Miles Conversion (local spend)

Promotion: 【Promotion till 28 Jun】Welcome offer 20,000 miles (240,000 points) + Complimentary 4th night at any hotel + Complimentary global airport lounge access!
Best for: Frequent traveler with high annual salary who does not mind paying annual fee for enjoyment of high quality

Pros

  • Welcome offer 20,000 miles (240,000 points)
  • The points have no expiry date and can be converted to miles for free. Points can be converted to a number of different mile options including Air Miles, British Airways, Singapore Airlines, and more
  • Complimentary access to 1,000+ LoungeKey lounges in 500+ airports worldwide
  • No extra fee for Dynamic Currency Conversion transaction
  • Free travel insurance if payment is made in full for air ticket or hotel
  • Complimentary 4th night at any hotel
  • Extra points will be given based on the years of using products of Citibank

Cons

  • No points for making payment through online e-banking
  • No exemption on annual fee and no miles rebate
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Best Citibank Credit Cards in Hong Kong 2019

Credit Card Card Issuer Benefits
Citi Rewards Visa Card Visa Earn 5X rewards points when shopping at supermarkets & department stores
Citi PremierMiles Card Visa Earn Asia Miles and enjoy travel benefits like airport lounge access
Citi Octopus Platinum Card Visa Auto-reload your Octopus card and earn rebates on everyday spending
Citi Clear Card Visa Student-friendly credit card with movie ticket discounts
Citi Prestige Card MastercardLuxurious travel benefits for high-income frequent travelers

Citibank Credit Card Promotions

Dining Offers

With eligible Citibank cards, cardholders can enjoy a vast array of dining offers from fine dining to hotel dining and from Chinese cuisine to international cuisine at participating restaurants throughout the year. Hot deals include buy-one-get-one-free dinner buffet at Tiffin, 10% off lunch and dinner buffets and a la carte food items at the Food Gallery- The Langham, Hong Kong, 12% off all buffets and a la carte food and beverages at The Place - Cordis, Hong Kong, etc.

Travel Offers

Eligible Citibank cardholders can take advantage of Citi card’s travel benefits when booking car rental services, sightseeing tours, accommodations and flights at participating merchants with Citibank cards throughout the year. For example, cardholders can enjoy up to HK$200 off flight bookings with Trip.com and enjoy up to 20% off with KKday and 5% off with Klook, etc.

Shopping Offers

Citibank offers a wide variety of year-round shopping offers from household items to sportswear and from jewellery and fashion, etc. to cardmembers. Participating brands include Links of London, GigaSports, Chow Tai Fook, Fortress, Pricerite, etc.

Which is the Best Citibank Credit Card for You?

As a globally recognized named in banking, Citibank is a popular choice among executives in Hong Kong looking for a rewarding credit card for their lifestyles.

Citibank Hong Kong’s two most attractive credit cards are the Citi PremierMiles Card and Citi Rewards Card. Assuming you meet the income requirements for both, which should you choose? If you’re always dreaming about your next vacation, the Citi PremierMiles Card is a good choice for earning Asia Miles. You get 1 mile for every HK$8 spent locally (and as low as HK$3 when you spend overseas), and redeeming them can be done quickly and free of charge. The Citi PremierMiles Card also grants you free airport lounge access up to 12 times a year, so you can travel in style. On the other hand, if shopping is your weakness, then the Citi Rewards Card is better for you. You earn accelerated rewards points whenever you shop at supermarkets and department stores. These points can be converted into cash coupons, miles, or used to offset purchases.

Redeeming Citibank Credit Card Rewards

Most Citibank credit cards let you earn rewards points when you spend, but what can you redeem your rewards points for? Here are the three most popular options from the Citibank credit card rewards redemption catalog.

Air Miles

You can easily convert Citibank rewards points to a variety of airline loyalty programmes including Asia Miles, British Airways Executive Club, Etihad Guest, and Singapore Airlines KrisFlyer.

Gift Vouchers

Alternatively, exchange your Citibank rewards points for gift vouchers from popular Hong Kong retailers and eateries like City’Super, Wellcome, Starbucks, and McDonald’s.

Cash Rebate

Citibank reward points can be redeemed for cash rebates to offset your next credit card bill. It usually takes 100,000 points to redeem HK$500 cash rebate, but Citibank sometimes offers promotions which lower the “exchange rate”.

Citi Credit Card Recommendations in Hong Kong 2019

Air Mile Credit Card

Citi PremierMiles Card, Citi Rewards Visa Card and Citi Prestige Card are among the best air mile cards Citi offers. Citi Rewards Visa Card has a friendly minimum annual salary requirement of HK$150,000 and it offers 8X Points for spending at supermarkets, department stores, and telecom providers. If you are a frequent shopper in these categories, this card suits you. Citi PremierMiles Card provides flexible redemption options including Avios, KrisFlyer, etc and it features a high earning ratio of HK$3= 1 mile for overseas spending. If you are a frequent traveller, this card matches your spending pattern. Citi Prestige Card targets high-income earners with a minimum of HK$600,000 annual income. High-earners can consider applying for this credit card to enjoy its privileges such as a complimentary 4th night at any hotel and free access to designated lounges. Before applying, it is important for you to understand the features of each card and your spending pattern in order to find the card that suits you. You should not overlook the minimum annual threshold and year-round travel privileges.

Cash Rebate Credit Card

Citi Cash Back Card offers 2% unlimited cash rebate with no minimum spending requirements on global dining and hotel spending throughout the year. Citi Clear Card offers up to 2% cash rebate on online spending in foreign currency. The cash rebate earned from eligible transactions (online bill payment and transactions through Faster Payment System (FPS) Service excluded) will be credited directly to the eligible card account in the next statement.

Reward Point Credit Card

Rewards points are flexible and can be used for a number of redemption options from vouchers, gifts to air miles. Citi offers a full range of reward point credit cards, one of which is Citi Rewards Visa Card. It has a friendly minimum income requirement of HK$150,000/ year and it offers 8X Points for spending at supermarkets, department stores, and telecom providers. Points earned never expire. Cardholders can make use of the online redemption platform Citi ThankYou Rewards to redeem a host of rewards including gift vouchers, gifts, miles, and cash rebates, etc. in a few simple steps. Cardholders can also offset credit card spending with Points earned through the City Pay with Points program.

Citibank Credit Card Features & Benefits

Apart from earning rewards points and enjoying credit card promotions, Citibank cardholders can also make use of the following practical features that come with Citi credit cards.

#1

Citi Pay with Points

This service allows selected Citibank credit card holders to pay for purchases with their rewards points directly, rather than go through the hassle of redeeming vouchers. Popular merchants that accept Citibank points include FORTRESS, HKTVmall, PARKnSHOP, and Watson’s.

#2

Octopus AAVS

The Octopus Automatic Add Value Service (AAVS) reloads your Octopus balance when you link your Octopus account to your Citibank credit card - and yes, you earn Citibank rewards points for these reloads. The service is free for Citibank customers applying for AAVS for the first time.

#3

Visa Checkout

Citibank credit card holders can make use of Visa Checkout for fast and secure online shopping transactions. Participating merchants include Broadway, PARKnSHOP, and Wing On Travel.

Citibank Credit Card Hotline

Want to speak to a customer service officer from Citibank? Just dial the Citibank credit card hotline at 2860 0333 and follow the instructions. Here are some quick “shortcuts”:

1) Check credit card balance and transaction history: Press 2, followed by your account number. 2) Report stolen or lost Citibank credit cards: Press 2, then * 1 #. 3) Activate a new Citibank credit card: Press 2, then * 2 #.

Frequently Asked Questions

How do I check my Citibank credit card limit?

The easiest way to check your account balance and the available limit is to log in to your Citibank internet banking.

How long does it take to get Citibank credit card?

It usually takes 7 to 10 working days from the time you submit the complete credit card application.

How long will my Citibank credit card take to get approved?

Citibank typically takes 7 to 10 working days from the time you submit a complete credit card application (including all supporting documents) to approval. This includes a follow-up to verify your submitted details.

How do I check my Citibank credit card application status?

You can call the Citibank phone banking hotline at 2860 0333 to inquire about your credit card application status. Press 2 for English, then *2 for Non-Account Services, then 2 for Card Application Status Inquiry.

How do I waive my Citibank credit card annual fee?

Some Citibank credit cards already come with first-year annual fee waivers. Subsequently, it’s possible to get an annual fee waiver with selected Citibank credit cards if you’ve spent a certain amount on that card in the past year. You would typically need to call in to request a fee waiver.