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
CARRIER DC-25VS 2-in-1 Air Purifying Inverter Dehumidifier (value of HK$5,280)
MoneyHero Exclusive Offer
CARRIER DC-25VS 2-in-1 Air Purifying Inverter Dehumidifier (value of HK$5,280)

+ 5 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 CARRIER DC-25VS 2-in-1 Air Purifying Inverter Dehumidifier (value of HK$5,280, random colour) / HK$2,000 Apple Store Gift Card / HK$2,000 Wellcome Shopping Voucher / Philips ADD6920 RO Water Dispenser (value of HK$4,288; random colour) / Marshall Stanmore III Bluetooth Speaker (value of HK$3,499) / LOJEL Cubo Small Luggage (value of HK$2,800).

Requirements

  • From 02 April 2026 6 pm till 30 April 2026 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 May 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

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. 
Up to HK$500 cash rebate
100% Cash Rebate on Finance Charges
Up to HK$500 cash rebate

New customers who successfully apply for and are approved for an eligible Citi Credit Card during the promotion period can enjoy 100% cash rebate on finance charges posted to the first 3 statements, up to HK$500. 

Promotion Period: 3 March 2026 – 31 May 2026

  • 100% cash rebate on eligible finance charges from the first 3 statements after card approval (capped at HK$500).
  • Applicable to new customers who currently do not hold any Citi principal card and have not held or cancelled any Citi principal card in the past 12 months. Application must be submitted through designated channels and approved within the promotion period. Student applications are not eligible.
  • Important Notes:
    • Finance charges from cash advances and installment programs are excluded. The cash rebate will be credited to the eligible card account on or before 31 October 2026, and the card account must remain valid and in good standing.
  • Terms and conditions apply.

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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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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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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