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
layers

Citi Cash Back Card Highlights

Annual Fee Waiver
First year
Cashback Dining
2  %
info
Cashback Overseas
2  %
info
Cashback Local
1  %
info
Offer Available
HK$2,500 HKTVmall e-Gift Voucher (Upgraded Offer)
MoneyHero Exclusive Offer
HK$2,500 HKTVmall e-Gift Voucher (Upgraded Offer) HK$2,500 HKTVmall e-Gift Voucher (Upgraded Offer)

+ 7 other gift options

MoneyHero's Exclusive Limited-Time Offer: 

New Citibank Customers (customers who did not hold any Citi Credit Card within the past 12 months) can get MoneyHero Exclusive reward with HK$2,500 HKTVmall e-Gift Voucher (Upgraded Offer) / HK$2,000 Apple Store Gift Card / HK$2,000 Wellcome Shopping Voucher / 25,000 Max Miles flight miles / PHILIPS ADD6920BK RO Water Dispenser (valued at HK$4,288) / Dyson Supersonic Nural™ hair dryer HD16 (valued at HK$3,980; random color) / Dyson HT01 Airstrait™ straightener (valued at HK$3,980)  / LOJEL Cubo 30-inch Suitcase (valued at HK$3,700; random colour). 

Requirements

  • From 10 December 2025 12 pm till 17 December 2025 6 pm: Successfully apply for the designated Citibank Credit Card(s) by new Citibank Customers (customers who did not hold any Citi Credit Card within the past 12 months) and submitted redemption form via MoneyHero
  • On or before 31 January 2026: The card must be approved by Citibank
  • Within first 30 days after card approval: Have accumulated eligible transactions of HK$4,000
  • Designated Cards include Citi Octopus Platinum Card, Citi Cash Back Card, Citi Rewards Card, Citi Rewards UnionPay Card & Citi Premier Miles Card ; not applicable to student cards
  • *When selecting Max Miles as the exclusive reward, please ensure that the email address registered for the MoneyHero exclusive reward is the same as the email address of the Hey Max account.

Instruction for how to use Max Miles

  • Receive the Email: MoneyHero sends you a unique redemption link for Max Miles via email.
  • Click the Link: Tap the unique link, which redirects you to the HEYMAX app (prompts download from App Store/Google Play if not installed, or opens the app directly if it is).
  • Account Check:
    • If you're a new user: You'll see a "MoneyHero gifted you Max Miles" screen with options to log in or sign up.
    • If you're an existing user: The app auto-logs you in (if your session is active) and skips to Miles Crediting*.
  • Sign Up & Login (for New Users):
    • Choose "Sign up" (or log in if you have an account but aren't logged in).
    • Enter your email and password, confirm password, or sign up via Google/Apple.
    • Agree to the HEYMAX Terms of Use and Privacy Policy.
    • Tap "Sign up" to proceed.
  • Miles Crediting*: After login or sign-up, you'll see a "Hang tight! We're crediting your Max Miles" screen, confirming the Max Miles are being added to your account.
  • Dashboard Access: Once credited, you land on the main dashboard displaying "MoneyHero gifted you Max Miles," showing your new balance and available options.
  • Redeem What You Want: From here, explore and choose how to use your miles—such as
    • redeeming instant vouchers (e.g. HK$50 Starbucks voucher or HKTVMall voucher)
    • transferring 1:1 miles to airline partners (e.g. Cathay Pacific or Qatar Airways, minimum 1,000 miles)
    • saving miles for bigger rewards (e.g. a free flight to Japan at 20,000 miles)
  • Completion: Your redemption is complete; miles can be used instantly or accumulated for later.

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.
  • 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
  • If you have any enquiry on the redemption flow of this offer, please refer to the relevant Terms and Conditions

  • Customers would not be eligible to Citi welcome offer if obtained MoneyHero exclusive offer. 

Things to consider

check

Dining rebate

check

Overseas rebate

check

Unlimited rebate

check

High-priced welcome gifts

sentiment_satisfied

Citi Cash Back Card Benefits

Cashback

location_on
Cashback Local
1  %
info
flight
Cashback Overseas
2  %
info
restaurant
Cashback Dining
2  %
info
shopping_bag
Cashback Local Online Shopping
1  %
shopping_bag
Cashback Overseas Online Shopping
2  %
info
account_balance_wallet
Cashback Digital Wallet
1  %
manage_search

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.
rule_folder

Citi Cash Back Card Eligibility

Eligibility

Minimum Age
18  years old
Min. Annual Income
HK$ 120,000
local_atm

Citi Cash Back Card Fees / Repayment

Fees

Annual Fee Waiver
First year
Annual Fee
HK$ 1,800
info
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
info
Retail Purchase APR
34.28  %
Cash Advance APR
35.81  %
Interest Free Period
58  days
grid_view

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

Disclaimer: MoneyHero makes every effort to keep information on our website accurate and up-to-date. This information may be different from what you see when you visit a financial institution or service provider’s site. APR and monthly payments shown in personal instalment loan comparison pages are estimated based on calculation of information you enter. All financial products and services are presented without warranty. When evaluating offers, please review the financial institution’s Terms and Conditions. If you find discrepancies in information, please contact the financial institution directly.

 

© 2013 - 2025 MoneyHero Global Limited (registered in Hong Kong under company number 1864714) (“MHGL”). All rights reserved. MoneyHero Insurance Brokers Limited (registered in Hong Kong under company number 2196683) (“MHIBL”) is a wholly owned subsidiary of MHGL. MHIBL is an authorized insurance broker with Insurance Authority License Number FB1740 whose business it is to arrange insurance products and services for its clients. MHGL is not an insurance company, agent or broker. Other than the provision of marketing services to virtual insurance companies that do not work with insurance intermediaries, MHGL does not carry on an insurance business and all insurance-related activities displayed, offered or referred to on this site are carried out solely by MHIBL in its capacity as an insurance broker. Use of this site constitutes acceptance of our Terms of Use and Privacy Policy.