Citi Cash Back Card

Citi Cash Back Card

The Citi Cash Back Card focuses on unlimited 2% cashback on foreign currency, dining, and hotel spending, making it suitable for substantial expenditures. In terms of the annual fee, new Citi Cash Back customers can enjoy the first-year waiver, and subsequently, each year, meeting specified spending thresholds might qualify for an annual fee waiver. Additionally, the Citi Cash Back Credit Card regularly offers exclusive promotions, providing cardholders with ongoing opportunities to earn more cashback!
Highlights
Benefits
Quick Facts
More Info
Guides
Eligibility
Fees
Others
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Citi Cash Back Card Highlights

Annual Fee Waiver
First year
Cashback Dining
2  %
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Cashback Overseas
2  %
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Cashback Local
1  %
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2 Offers Available
HK$2,500 Apple Store Gift Card
MoneyHero Citi Core Cards Exclusive Limited-Time Offer
HK$2,500 Apple Store Gift Card

+ 11 other gift options

Important Dates

  1. Promotion Period Starts
    24 August 2026, 6 pm

  2. Promotion Period Ends
    31 August 2026, 6 pm

  3. Credit Card Approval and Activation Deadline
    On or before 30 September 2026

  4. Accumulate HK$4,000 in Eligible Spending
    Within 30 days after successful card approval

  • Designated Cards include Citi Cash Back Card, Citi Rewards Card, Citi Rewards UnionPay Card & Citi Premier Miles Card ; not applicable to student cards
  • The Gold Reward is provided by Chow Sang Sang. A total of 100 redemption slots are available on a first-come, first-served basis. Once all redemption slots have been allocated, HK$2,500 Wellcome shopping vouchers will be provided as the substitute reward.
  • Insta360X4 Air (Standard Bundle) : Includes an extra battery, a 114cm invisible selfie stick, and a lens protector for added practicality and better value for money — perfect for beginners looking for an all-in-one setup.
  • *Below customers are not eligible for this promotion:
    • customers who have held any credit card with Citi Bank in the 12 months preceding the date on which their application for a designated card is made as part of this promotion
    • students

Frequently Asked Questions

  • Am I an eligible customer?
    Please refer to Clauses 1, 3, and 4 of the Terms and Conditions.
  • What are eligible transactions?
    Please refer to Clause 3d of the Terms and Conditions.
  • Can I receive other Citibank welcome offers from the same application while claiming the MoneyHero Exclusive Offer?
    Please refer to Clause 4g of the Terms and Conditions.

Tips

  • Please turn off AdBlocker and private mode before application: 3 settings to ensure coupon reward eligibility
  • Have your mobile phone and HKID ready before application! You are advised to upload all required documents when you apply for the card to facilitate the approval process. Don't forget to note down your application reference number. It can be used for checking your application status and claiming MoneyHero exclusive offer.
  • *Details for redeeming the DELONGHI La Specialista Arte Pump-Driven Espresso Coffee Machine EC9155 (valued at HK$7,818): After the eligibility are confirmed by the bank, MoneyHero will send out the redemption emails to the eligible customers. Customers can follow the instructions in the email and receive the DELONGHI La Specialista Arte Pump-Driven Espresso Coffee Machine EC9155 (valued at HK$7,818) by paying HK$525 using Designated Card at the redemption center. If there are any questions regarding the above rewards (including warranty and product condition), please contact MoneyHero to confirm the details.
  • The redemption process may take at least 16 weeks upon campaign period ends, depending on the actual situation regarding user approval and transaction status or other factors that may affect eligibility for the Promotion Reward
  • Customers would not be eligible to Citi welcome offer if obtained MoneyHero exclusive offer. 
Apple AirTag (Gen 1) x 2 pcs
🍎 Extra Apple AirTags Up for Grabs!
Apple AirTag (Gen 1) x 2 pcs

  • Eligibility for promotional rewards is subject to the internal audit records of MoneyHero and the card issuer.

  • For the purpose of this promotion, “Voucher or Gift Card” refers to an Apple Store Gift Card, Wellcome Shopping Voucher or Trip.com e-voucher. 

  • Applications must fulfil the MoneyHero Exclusive Offer requirements.

  • Applications must be successfully approved within the designated period, and the specified spending requirement must be met within the designated period, where applicable.

  • For full offer details, please refer to the Terms and Conditions.

Things to consider

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Dining rebate

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Overseas rebate

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Unlimited rebate

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High-priced welcome gifts

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Citi Cash Back Card Benefits

Cashback

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Cashback Local
1  %
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flight
Cashback Overseas
2  %
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restaurant
Cashback Dining
2  %
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shopping_bag
Cashback Local Online Shopping
1  %
shopping_bag
Cashback Overseas Online Shopping
2  %
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Cashback Digital Wallet
1  %
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Citi Cash Back Card More Info

  • 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.
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Citi Cash Back Card Eligibility

Eligibility

Minimum Age
18  years old
Min. Annual Income
HK$ 120,000
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Citi Cash Back Card Fees / Repayment

Fees

Annual Fee Waiver
First year
Annual Fee
HK$ 1,800
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Foreign Currency Transaction Fee
1.95  %

Repayment

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
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Retail Purchase APR
34.28  %
Cash Advance APR
35.81  %
Interest Free Period
58  days
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Citi Cash Back Card Others Info

Association

Mastercard

Supported Payment Type

Inductive payment

Octopus automatic value

Payme value added

Wechat Pay value added

Alipay value added

Tags

Citi Cash Back Card Citi Cash Back Card

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