Citi × Keeta | Apply for Eligible Citi Credit Cards to Enjoy Exclusive Keeta Offers + MoneyHero Exclusive Rewards
Updated: 5 Oct 2026
The Citi Cash Back Card, Citi PremierMiles Card, Citi Rewards Card, and Citi Rewards UnionPay Card are now available with exclusive Keeta offers. Apply for an eligible Citi credit card through MoneyHero to enjoy exclusive Keeta benefits and MoneyHero welcome rewards.
Each card is designed for different spending needs, offering a range of benefits including cashback, air miles, and rewards points. Compare the welcome offers, Keeta promotions, key rewards, and eligibility requirements of each Citi credit card below to find the one that best suits your lifestyle and spending habits.
Get a HK$2,500 Keeta voucher in just 8 minutes
Apply for a Citi credit card via MoneyHero and spend HK$4,000 to earn a HK$2,500 Keeta voucher.*Offer subject to terms and conditions. To borrow or not to borrow? Borrow only if you can repay!
✅ Up to 8% Cashback on Online Shopping & Transportation Spending
✅ First-Year Annual Fee Waived, Low Income Requirement & Easy Approval
✅ Enjoy Exclusive Rewards Worth Over HK$1,000
Product | Credit Card | Hot Reward | Reward Value | Card Benefit | Cashback Local Online Shopping | Min. Annual Income | |
|---|---|---|---|---|---|---|---|
 | Citi Cash Back Card (Limited Exclusive Offer) | - | - | 2 % | 1 % | HK$120,000 | |
 | Citi PremierMiles Card(Limited Exclusive Offer） | - | - | $3 per mile | - | HK$120,000 | |
 | Citi Rewards Card(Limited Exclusive Offer） | - | - | 1 - 3 % | 0.4 % | HK$120,000 | |
 | Citi Rewards UnionPay Card (Limited Exclusive Offer） | - | - | 0.37 - 1.85 % | 0.4 % | HK$120,000 |
Cashback Dining
2 %Cashback Overseas
2 %Cashback Local
1 %Annual Fee Waiver
First year- Dining rebate
- Overseas rebate
- Unlimited rebate
- High-priced welcome gifts
Repayment Details
Minimum Payment: a. The total of all the current month’s interest, annual fee, late charge, past due amount, other fees and charges if any; and b. 1.5% of the statement balance (excluding item a, where applicable); and c. 1.5% of the unbilled principal of the Loan (as defined in Terms and Conditions for Citi Credit Card "Quick Cash" Installment Program and Terms and Conditions for Citi Credit Card "Flexi-Installment" Program) (where applicable)
Late Payment Charge: HK$300
Interest Free Period: 58 日
Fees
Annual Fee: HK$1,800
Foreign Currency Transaction Fee: 1.95 %
Eligibility
Minimum Age: 18 歲
Minimum Annual Income: HK$120,000
Key Features
- Most suitable for customer who has big spending in short period
- Earn the welcome offer with a cost-free strategy by using e-wallet transactions (PayMe / Alipay HK) which count towards the welcome spending requirement
- Clear requirement of Welcome Gift. Auto cash rebate with no cap. Cash rebate will be used to settle the outstanding balance of the statement.
- 2% rebate on local dining spending
- 2% rebate on local hotel spending
- 2% rebate on spending in foreign currency
- 1% unlimited rebate on other spending
- Rebate will be credited to the eligible card account on the following statement of account when the accumulated rebate balance reaches HK$200 or above and be used to settle the outstanding balance as well as new purchases excluding the Minimum Payment Due.
- Purchase Protection Insurance
- Purchases will be insured against any damages or loss for up to US$7,600 within 30 days of purchase.
- First year annual fee waiver
- The MoneyHero Exclusive Offer does not apply to student cards
- Welcome offers and MoneyHero exclusive offer are only applicable to customers who currently do not hold, have not cancelled or have not held any principal card of Citi Credit Card within the past 12 months from the month of application for the Eligible Card ("New Customer").
- Transactions made at any merchant in the European Economic Area are not entitled to 2% foreign currency cash rebate
- Eligible Foreign Currency Transactions exclude card-present transactions made by Cardholders at any merchant with physical premises, address of the fixed place of business or business license in any country participating in the European Economic Area (EEA) or joining after 19 October 2020. 1% Basic Cash Rebate will be awarded to card-present transactions made at merchants in the EEA.
Airmiles Overseas
HK$ HK$
3 per mileAirport Lounge Access
12 次Annual Fee Waiver
First yearFree family travel insurance coverage
Yes- High-priced welcome gifts
- Airport lounge
- Travel Insurance
Repayment Details
Minimum Payment: a. The total of all the current month’s interest, annual fee, late charge, past due amount, other fees and charges if any; and b. 1.5% of the statement balance (excluding item a, where applicable); and c. 1.5% of the unbilled principal of the Loan (as defined in Terms and Conditions for Citi Credit Card "Quick Cash" Installment Program and Terms and Conditions for Citi Credit Card "Flexi-Installment" Program) (where applicable)
Late Payment Charge: HK$300
Interest Free Period: 58 day(s)
Fees
Airmiles Conversion Fee: HK$200
Annual Fee: HK$1,800
Foreign Currency Transaction Fee: 1.95 %
Eligibility
Minimum Age: 18 years old
Minimum Annual Income: HK$120,000
Key Features
- Suitable for customers who have large amount of overseas/foreign currency spending
- Up to 12 times complimentary access to airport lounges for every calendar year
- Cardholders are required to spend HK$5,000 per head within 30 days after the date of each lounge visit
- Free Travel Insurance
- Pay in full or redeem for flight tickets/accommodation/travel tours with the card, you and your family can enjoy free travel insurance
-
First year annual fee waiver
- This MoneyHero Exclusive Offer does not apply to student cards
- Welcome offers and MoneyHero exclusive offer are only applicable to customers who currently do not hold, have not cancelled or 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 Customer").
- When cardholder reaches total eligible transactions of HK$20,000 or above in one statement cycle, he/she will be awarded 12 Points (1 mile) per HK$3 (or equivalent foreign currency) overseas & online foreign currency transactions posted. If the total Eligible Transactions are below HK$20,000, Cardholders can still enjoy 12 Points (1mile) per HK$4 for overseas & online foreign currency transactions. If the cardholders cannot meet the spending requirement of the complimentary lounges access, they will be charged an entrance fee of HK$250 per cardholder per lounge access. Terms and conditions apply. For details, please click here for more information.
Points Rebate on Shopping
3 %Points Rebate on Entertainment
3 %Points Rebate on Local Mobile Payment
1 %Annual Fee Waiver
First year- High-priced welcome gifts
- Annual Fee Waiver
Repayment Details
Minimum Payment: a. The total of all the current month’s interest, annual fee, late charge, past due amount, other fees and charges if any; and b. 1.5% of the statement balance (excluding item a, where applicable); and c. 1.5% of the unbilled principal of the Loan (as defined in Terms and Conditions for Citi Credit Card "Quick Cash" Installment Program and Terms and Conditions for Citi Credit Card "Flexi-Installment" Program) (where applicable)
Late Payment Charge: HK$300
Interest Free Period: 58 day(s)
Fees
Annual Fee: HK$1,800
Foreign Currency Transaction Fee: 1.95 %
Airmiles Conversion Fee: $200
Eligibility
Minimum Age: 18 years old
Minimum Annual Income: HK$120,000
Key Features
- Rewards Points
- Enjoy up to 3% Points Rebate for Shopping & Entertainment spend
- 1% Points Rebate for all local Mobile Payments
- First year annual fee waiver
- This MoneyHero Exclusive Offer does not apply to student cards
- Welcome offers and MoneyHero exclusive offer are only applicable to customers who currently do not hold, have not cancelled or 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 Customer").
- Handling fee of HK$50 - HK$300 will be charged for redeeming Points for miles each time.
Points Rebate on Shopping
3 %Points Rebate on Entertainment
3 %Annual Fee Waiver
First year- High value welcome gifts
Repayment Details
Late Payment Charge: HK$300
Interest Free Period: 58 day(s)
Minimum Payment: a. The total of all the current month’s interest, annual fee, late charge, past due amount, other fees and charges if any; and b. 1.5% of the statement balance (excluding item a, where applicable); and c. 1.5% of the unbilled principal of the Loan (as defined in Terms and Conditions for Citi Credit Card "Quick Cash" Installment Program and Terms and Conditions for Citi Credit Card "Flexi-Installment" Program) (where applicable)
Fees
Annual Fee: HK$1,800
Foreign Currency Transaction Fee: 1.95 %
Airmiles Conversion Fee: $200
Eligibility
Minimum Age: 18 years old
Minimum Annual Income: HK$120,000
Key Features
- One Card, Dual Currency
- Spending in Hong Kong and overseas will be billed in HK$. Spending in Mainland China will be billed in CNY. No need to worry about the fluctuation of exchange rate
- Rewards Points
- Earn up to 3% rebate on shopping and entertainment spending
- For details, please refer to https://www1.citibank.com.hk/english/credit-cards/rewards-card
- First year annual fee waiver
- This MoneyHero Exclusive Offer does not apply to student cards
- Welcome offers and MoneyHero exclusive offer are only applicable to customers who currently do not hold, have not cancelled or 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 Customer").
- Handling fee of HK$200 will be charged for redeeming Points for miles each time.
Frequently Asked Questions
There is no single "best" Citi credit card—it depends on your spending habits and lifestyle.
- Citi Cash Back Card is ideal if you want to maximise cashback on everyday spending.
- Citi PremierMiles Card is best for frequent travellers looking to earn air miles.
- Citi Rewards Card is a great choice for shopping, dining, and entertainment, allowing you to earn rewards points on eligible spending.
- Citi Rewards UnionPay Card is suitable for cardholders who prefer using the UnionPay network while earning rewards on eligible purchases.
Compare each card's rewards, welcome offers, annual fees, and eligibility requirements to find the Citi credit card that best matches your spending needs.
Which Citi Credit Card Is Right for You?
Different Citi credit cards are designed for different spending habits. Here's a quick guide to help you choose the one that best fits your lifestyle:
- Looking to maximise cashback on everyday spending? → Citi Cash Back Card
- A frequent traveller who wants to earn air miles? → Citi PremierMiles Card
- Shop and dine regularly while earning reward points? → Citi Rewards Card
Featured Recommendations
Citi Credit Card Comparison
| Credit Card | Key Benefit | Minimum Annual Income | Annual Fee | Best For |
|---|---|---|---|---|
| Citi Cash Back Card | Up to 2% cashback on eligible dining, hotel and foreign currency spending | HK$120,000 | HK$1,800 (waived) | Cashback on everyday spending |
| Citi PremierMiles Card | Earn miles on local and overseas spending with Citi ThankYou Rewards Points | HK$120,000 | HK$1,800 (waived) | Frequent travellers and miles collectors |
| Citi Rewards Card | Up to 3% rewards on eligible shopping and entertainment spending | HK$120,000 | HK$1,800 (waived) | First-time cardholders and shoppers who prefer earning reward points |
| Citi Rewards UnionPay Card | Earn rewards on eligible spending with UnionPay acceptance | HK$120,000 | HK$1,800 (waived) | UnionPay users and everyday spending |
| Citi Octopus Platinum Card | Up to 15% fare rebate on eligible public transportation spending | HK$120,000 | HK$1,800 (waived) | Frequent public transport users |
| Citi Prestige Card | Earn miles on overseas spending and enjoy unlimited airport lounge access | HK$600,000 | HK$3,800 | Premium travellers seeking luxury travel privileges |
The cashback rates, rewards, annual fees, and card features listed above are intended as a general overview of each Citi credit card. Actual rewards, eligibility requirements, spending caps, promotional periods, and annual fee waivers are subject to Citi's latest Terms and Conditions. Please refer to the individual product pages for the latest welcome offers.
In addition, Citi PayAll allows eligible cardholders to pay everyday expenses such as rent, insurance premiums, and taxes using their Citi credit card. However, these transactions are generally not eligible for welcome offers or rewards points unless otherwise specified. Be sure to review the latest Terms and Conditions before using the service.
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