- Annual Fee
- First Year Annual Fee Waiver
- Rebate on Overseas Spending & Local Dining
- Unlimited 2%
- Rebate on Local Spending
- Unlimited 1%
【🧧 New Year Exclusive: Up to HK$3,999 Rewards - only until 14 Feb!】
From now until 14 February 2025, New Customers who successfully applied for a designated Citi credit card via MoneySmart with an eligible spending of HK$4,000 after card issuance, can enjoy one of the exclusive rewards:
・[⚡️Limited-time Upgrade Offer!] HK$1,800 Apple Store Gift Card / PARKnSHOP Supermarket Voucher or
・BERMAS 26" Front-open Suitcase (Value: HK$3,999) or
・YA-MAN HRF-10T RF Beauté Photo PLUS (Value: HK$3,180) or
・🆕 SONY WF-1000XM5 Earbuds (Value: HK$2,490) or
・🆕 GHD PLATINUM+ Styler (Value: HK$2,295)!

- Minimum Income Requirements
- HK$120,000
- Miles Conversion (local spend)
- HK$8 = 1 mile
- Miles Conversion (overseas spend)
- HK$3 = 1 mile
【🧧 New Year Exclusive: Up to HK$3,999 Rewards - only until 14 Feb!】
From now until 14 February 2025, New Customers who successfully applied for a designated Citi credit card via MoneySmart with an eligible spending of HK$4,000 after card issuance, can enjoy one of the exclusive rewards:
・[⚡️Limited-time Upgrade Offer!] HK$1,800 Apple Store Gift Card / PARKnSHOP Supermarket Voucher or
・BERMAS 26" Front-open Suitcase (Value: HK$3,999) or
・YA-MAN HRF-10T RF Beauté Photo PLUS (Value: HK$3,180) or
・🆕 SONY WF-1000XM5 Earbuds (Value: HK$2,490) or
・🆕 GHD PLATINUM+ Styler (Value: HK$2,295)!

- Unlimited CashBack at all supermarkets
- 3%
- Unlimited CashBack
- 2%
- MoneySmart exclusive welcome offer
- HKD3,398 and 6,250 miles + 12-Month Deliveroo Membership and Cash Voucher
⭐️ Unlimited Cashback♾New customers can use the promo code "MSNYR" to enjoy rewards of up to HKD3,999 and 6,250 miles by successfully opening an account with the promo code 'MSNYR' and spending a minimum of HKD 15,000.
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⠀⠀【📣 New credit card spending experience — switch between CashBack and miles rewards with one click!】In addition to the “best-in-town” unlimited 2% CashBack^, the new features of the Mox credit card allow you to switch between CashBack and Asia Miles rewards, putting you in control of your spending rewards! Introducing the new Mox Credit's Miles Rewards Scheme '4100'—Enjoy spending at a rate as low as 'HKD4 = 1 mile' on all purchases; with 'no limit' on unlimited miles and flights and benefit from '0%' FX fees (compared to the bank charge of 1.95%) Apply now to enjoy additiona 12 Months of Deliveroo Plus Silver Membership and a Cash Voucher for Free (Valued at $726) Regardless of Approval!
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⠀⠀Use the promo code "MSNYR" to open an account and earn the MoneySmart exclusive offer of BERMAS 26" BERMAS Front-open Suitcase (value: HKD3,999) / SONY WF-1000XM5 earbuds (value: HKD2,490) / De'Longhi Dedica Style Series Pump-driven Espresso Coffee Machine(EC685) (value: HKD2,168) / HKD1,400 Apple Store GIft Card /ParkNShop vouchers / HKTVmall vouchers!

- Miles Conversion (Overseas Spending)
- HK$6 = 1 Mile
- Miles Conversion (Local Spending)
- HK$9 = 1 Mile
- Discount at designated restaurants
- 40%
【Unlock Your Rewards: Premium Gifts of up to HK$5,690 Await】
From now until 3 March 2025, apply for the Platinum Card and fulfil spending of HK$15,000 within the first 2 months, indulge in ONE of the Premium Gifts and Exclusive Vouchers below. Hurry, this limited-time upgrade awaits!
1. LG DD12GMWE0 24L PuriCare™ DUAL Inverter Dehumidifier (Value: HK$5,690) or
2. Bowers & Wilkins Px8 Over-ear Noise-canceling Headphones (Value: HK$5,480) or
3. B&O Beolit 20 Bluetooth Speaker (Value: HK$4,998) or
4. Dyson Airwrap™ multi-styler (Value: HK$4,480) or
5. HK$3,500 Apple Store Gift Card or
6. HK$3,500 PARKnSHOP Supermarket Voucher
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Terms & Conditions Apply.

- Cashback on Online Retail Transactions
- Up to 8%
- Fee Waiver
- First Year Free
- Local Resident
- HK$150,000
【Welcome Offer up to HK$1,050】Earn up to 5% Cashback on Travel Spending!
From now until 28 February 2025, customers who successfully apply for a designated sim credit card (sim Credit Card/ sim World Mastercard®️) via MoneySmart can earn an extra 3,000 SmartPoints and free to redeem HK$300 vouchers (20+ brand vouchers, including Apple, HKTVmall, UBER etc). Click here to explore limitless possibilities (T&C applied)! Complete the digital ID verification on the sim Credit Card App within 3 hours after application, sim will offer an additional HK$50 cash rebate; fulfilling the spending requirement can earn sim welcome offer of up to HK$1,120. Enjoy the total rewards of up to HK$2,069!
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【🎉 Lunar New Year Surprise with Triple Rewards!】During the Promotion Period from 10 January to 28 February 2025, register and use sim Credit Card to spend HK$300 in a single non-online transaction three times to earn a cash rebate; accumulate non-online purchases to get up to HK$888 cash rebate + movie combo, and be one of the top 3 spenders to win up to HK$8,888!

- Cashback on Online Retail Transactions
- Up to 8%
- Fee Waiver
- First Year Free
- Minimum Income Requirements
- N/A
【Welcome Offer up to HK$1,050】Earn up to 5% Cashback on Travel Spending!
From now until 28 February 2025, customers who successfully apply for a designated sim credit card (sim Credit Card/ sim World Mastercard®️) via MoneySmart can earn an extra 3,000 SmartPoints and free to redeem HK$300 vouchers (20+ brand vouchers, including Apple, HKTVmall, UBER etc). Click here to explore limitless possibilities (T&C applied)! Complete the digital ID verification on the sim Credit Card App within 3 hours after application, sim will offer an additional HK$50 cash rebate; fulfilling the spending requirement can earn sim welcome offer of up to HK$1,120. Enjoy the total rewards of up to HK$2,069!
⠀⠀
【🎉 Lunar New Year Surprise with Triple Rewards!】During the Promotion Period from 10 January to 28 February 2025, register and use sim Credit Card to spend HK$300 in a single non-online transaction three times to earn a cash rebate; accumulate non-online purchases to get up to HK$888 cash rebate + movie combo, and be one of the top 3 spenders to win up to HK$8,888!

- Annual fees
- Perpetual annual fee waiver
- Cash back on local spend
- 2%
- Welcome Offer
- Up to 120,000 yuu Points
【Make Every Grocery Trip Count】
From now until 28 February, new credit card customers* who successfully applied for the Hang Seng enJoy Card via MoneySmart, simply spend HK$1,000 within 30 days after card issuance, can enjoy an extra 10,000 SmartPoints; existing customers who spend HK$700 within 30 days after card issuance, can also enjoy extra 7,000 SmartPoints!
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New customers can use 10,000 SmartPoints to fully redeem HK$1,000 vouchers (over 20+ brand vouchers including Apple / HKTVmall / Klook etc) or POLAROID Now+ i-Type Instant Camera + 5 lens filters (Value : HK$1,599) from our Rewards Store. You can also top-up to redeem AirPods 4 with Active Noise Cancellation (Value: HK$1,499). Existing customers can use 7,000 SmartPoints to fully redeem a SAMSUNG Galaxy Buds FE (Retail Value: HK$898) or HK$700 vouchers. Explore more other options available at our Rewards Store!
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【Bank Welcome Offer】Link enJoy Card to yuu Rewards Program and accumulate eligible retail spending of HK$6,000, New Credit Card Customers will be entitled to 120,000 yuu Points (equivalent to rewards worth HK$600); Existing Credit Card Customers will be entitled to 80,000 yuu Points (equivalent to rewards worth HK$400)!

- Miles Conversion
- HKD4 = 1 mile
- Foreign transaction fee waived
- 1.95%
- MoneySmart exclusive welcome offer
- 61,250 miles + HKD200 voucher+HKD726 Deliveroo Plus Silver membership + Cash Voucher
February New-Year Offer : Get an extra HKD 200 voucher just for you💵
⭐️ Reward you with 33,250 miles🛩 New customers can enjoy up to 25,000 miles (redeemable for a round-trip ticket to Japan 🇯🇵) During the promotional period, spend a specified amount for each transaction to receive an additional 8,250 miles 🛩 Earn extra up to 61,250 miles with placing a time-deposit of 12-month!
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Additionally, MoneySmart will reward you an exclusive HKD200 Apple Store gift card / ParknShop cash voucher / Trip.com electronic voucher+Deliveroo Plus Silver membership and a cash voucher redemption code (valued at HK$726) by successfully opening an account with the promo code '4100MSTFS' and spending a minimum of HKD 15,000. Total value over HKD8,582💰
📣“Best-in-town” Credit Card with instant miles reward – as low as HKD4 / mile for any purchase and 0% FX Fees*
Introducing the new Mox Credit's Miles Rewards Scheme '4100'—Enjoy spending at a rate as low as 'HKD4 = 1 mile' on all purchases; with 'no limit' on unlimited miles and flights and benefit from '0%' FX fees (compared to the bank charge of 1.95%)

- Annual fee
- Perpetual annual fee waiver
- +FUN Dollars rebate on Overseas foreign currencies spending
- 6%
- +FUN Dollars rebate on Online Retail Transaction
- 5%
【📱Earn 5% +FUN Dollar Rebate & Welcome Perks with Your NEW PHONE Purchase!】
From now until 28 February, new credit card customers* who successfully applied for the Hang Seng MMPOWER World Mastercard® via MoneySmart, simply spend HK$1,000 within 30 days after card issuance, can enjoy an extra 10,000 SmartPoints; existing customers who spend HK$700 within 30 days after card issuance, can also enjoy extra 7,000 SmartPoints!
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New customers can use 10,000 SmartPoints to fully redeem HK$1,000 vouchers (over 20+ brand vouchers including Apple / HKTVmall / Klook etc) or Apple HomePod mini (Value : HK$749) from our Rewards Store. You can also top-up to redeem Jollying Pebble 20" Luggage (Value: HK899). Explore more other options availabl at our Rewards Store.

- Annual Fee
- Perceptual Annual Fee Waiver
- +FUN Dollars Rebate on Foreign Currency Spending
- Up to 7%
- +FUN Dollars Rebate on Local Dining & Transportation Spending
- 5%
From now until 28 February 2025, apply for the Travel+ Visa Signature Card via MoneySmart, you can enjoy an extra 3,000 SmartPoints and free to redeem HK$300 vouchers (over 20+ brand vouchers including Apple / Trip.com / HKTVmall etc). Click here to explore limitless possibilities (T&C applied)!

- Minimum Income Requirements
- HK$120,000
- Rebate on Shopping & Entertainment Transactions
- 3%
- Rebate for all local Mobile Payments
- 1%
【🧧 New Year Exclusive: Up to HK$3,999 Rewards - only until 14 Feb!】
From now until 14 February 2025, New Customers who successfully applied for a designated Citi credit card via MoneySmart with an eligible spending of HK$4,000 after card issuance, can enjoy one of the exclusive rewards:
・[⚡️Limited-time Upgrade Offer!] HK$1,800 Apple Store Gift Card / PARKnSHOP Supermarket Voucher or
・BERMAS 26" Front-open Suitcase (Value: HK$3,999) or
・YA-MAN HRF-10T RF Beauté Photo PLUS (Value: HK$3,180) or
・🆕 SONY WF-1000XM5 Earbuds (Value: HK$2,490) or
・🆕 GHD PLATINUM+ Styler (Value: HK$2,295)!

- Minimum Income Requirements
- HK$120,000
- Rebate for Shopping & Entertainment spend
- 3%
- Rebate for all local Mobile Payments
- 1%
【🧧 New Year Exclusive: Up to HK$3,999 Rewards - only until 14 Feb!】
From now until 14 February 2025, New Customers who successfully applied for a designated Citi credit card via MoneySmart with an eligible spending of HK$4,000 after card issuance, can enjoy one of the exclusive rewards:
・[⚡️Limited-time Upgrade Offer!] HK$1,800 Apple Store Gift Card / PARKnSHOP Supermarket Voucher or
・BERMAS 26" Front-open Suitcase (Value: HK$3,999) or
・YA-MAN HRF-10T RF Beauté Photo PLUS (Value: HK$3,180) or
・🆕 SONY WF-1000XM5 Earbuds (Value: HK$2,490) or
・🆕 GHD PLATINUM+ Styler (Value: HK$2,295)!
