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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!
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Highlights

Annual Fee Waiver
First year
Cashback Dining
2  %
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Cashback Overseas
2  %
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Cashback Local
2  %
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Offer Available
6 Month Deliveroo Plus Silver Member
MoneyHero x Deliveroo Promotion
6 Month Deliveroo Plus Silver Member

[MoneyHero x Deliveroo Special Offer]

  • Apply for a credit card through MoneyHero and enjoy a 6-month Deliveroo Plus Silver membership for FREE, whether your credit card application is approved or not! Receive the redemption promo code two weeks after your application.More details
    • Benefits for Deliveroo Plus Silver Member:

    • Unlimited free delivery : free delivery on all orders over HK$250
    • Unlock discounts from Deliveroo Plus Rewards: Order over HK$150 from the same restaurant three times & get HK$85 off on the fourth order. Place your order from over 1,000 selected partners including but not limited to NOC Coffee, KFC, Shake Shack & more!
    • Up to 25% off Pickup: No minimum charge! Skip the line & save on your waiting time. Enjoy up to 25% off selected restaurants with Pickup

    More Details

Things to consider

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Purchase protection

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Local spending rebate

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Foreign txn rebate

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Annual Fee waiver

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Benefits

Cashback

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Cashback Local
2  %
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flight
Cashback Overseas
2  %
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restaurant
Cashback Dining
2  %
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Cashback Local Online Shopping
1  %
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Cashback Overseas Online Shopping
2  %
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Cashback Digital Wallet
1  %
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More Info

Most suitable for customer who has big spending in short period

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

Other things to note
  • 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").
  • 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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Eligibility

Eligibility

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

Association

Mastercard

Supported Payment Type

Inductive payment

Octopus automatic value

Payme value added

Wechat Pay value added

Alipay value added

Citi Cash Back Card Citi Cash Back Card