Citi Plus Credit Card
Last Updated: Oct 2021
$ 120,000
Min. Annual Income
0.4 %
Local Spending - Cashback Rate
1.2 %
Local Online Shopping - Cashback Rate
Exclusive Offer
from MoneyHero
OFFER 1
Maxell MXAP-FA100 Aroma Diffuser (worth HK$1,380) OR Polaryak Spectrum Mini Massage Gun (worth HK$799) OR HK$500 Apple Store Gift Card
  • From 22 October 06:00 p.m to 1 November 2021 06:00 p.m, new Citi customers who successfully open a Citi Plus Account via MoneyHero during the promotion period are entitled to enjoy MoneyHero Limited-Time Exclusive Offer - a Maxell MXAP-FA100 Aroma Diffuser (worth HK$1,380; white) OR a Polaryak Spectrum Mini Massage Gun (worth HK$799; random colour) OR HK$500 Apple Store Gift Card.
  • The account must be successfully opened on or before 16 November 2021. 
  • Please send an email with (1) name of the applied product, (2) application date, and (3) screen capture of approval SMS or Email notification to support@moneyhero.com.hk and complete the redemption form sent via email for verification and follow-up within 7 days of account opening. MoneyHero will verify your reward eligibility with Citibank.
  • Applicants understand and accept that gift fulfilment is facilitated by MoneyHero; Citibank (Hong Kong) does not have any liability or responsibility for the gift fulfilment.
  • If you have concerns regarding the redemption process, please refer to the Terms and Conditions.

Welcome Offers from Citibank

OFFER 1
A set of AirPods Pro (worth HK$1,999)
  • New Customers who have the normal credit limit been successfully approved and accumulate spending of HK$12,000 or above within the first 3 months from the date of card issuance are entitled to a set of AirPods Pro (worth HK$1,999).
  • Promotion period is valid from now till 31 October 2021
Exclusive for Citi Plus Account customers; AirPods Pro as welcome gift; Perpetual annual fee waiver
Please turn off AdBlocker and private mode before application. Send us an email to receive the reward redemption form after account opening.
Octopus Reload Rebate
Annual Fee Waiver
Digital Wallet Rebate
Utilities Wallet Rebate
MoneyHero Exclusive Offer

Great for

  • MoneyHero Limited-Time Exclusive Offer - Maxell MXAP-FA100 Aroma Diffuser OR Polaryak Spectrum Mini Massage Gun OR HK$500 Apple Store Gift Card
    • New Citi customers get rewarded with a Maxell MXAP-FA100 Aroma Diffuser (worth HK$1,380; white) OR a Polaryak Spectrum Mini Massage Gun (worth HK$799; random colour) OR HK$500 Apple Store Gift Card by fulfilling the following requirements:
    Important Dates Requirements
    22 October 2021 06:00 p.m to 1 November 2021 06:00 p.m Submit Citi Plus account opening application via MoneyHero
    On or before 16 November 2021 The account must be successfully opened.
    Within 7 days of account opening Send an email with (1) name of the applied product, (2) application date, and (3) screen capture of approval SMS or Email notification to support@moneyhero.com.hk for receiving reward redemption form
    Within 7 days after receiving the form Complete and submit reward redemption form
    • Tips:
      • Please turn off AdBlocker and private mode before application: 3 settings to ensure reward eligibility
      • Note down your application reference number for reference. Upload all required documents when you open the account to facilitate the approval process.
      • After submitting your application via MoneyHero, you might be asked to proceed to branches for completing your account opening process. Please provide your application reference number to bank branch staff. Application reference number will be used by the bank to recognize your application is from MoneyHero.
      • Applicants understand and accept that gift fulfilment is facilitated by MoneyHero; Citibank (Hong Kong) does not have any liability or responsibility for the gift fulfilment.
      • If you have concerns regarding the redemption process, please refer to the Terms and Conditions.
  • Welcome Offer
    Requirements Rewards
    New customers of Citi Credit Card who
    • have the normal credit limit being successfully approved and accumulate spending of HK$12,000 or above within first 3 months from the date of card issuance
    a set of AirPods Pro
    (worth HK$1,999)
  • Citi Interest Booster - Earn points and interest rate when you spend with the card. Easy missions to boost your interest rate up to 1.8% p.a.
    • Citi Interest Booster is an interest-bearing checking account.
    • Enjoy 0.3% base interest rate on the first HK$300,000 of your Citi Interest Booster account balance when you successfully open the account. Enjoy up to 1.8% p.a. by completing designated missions.
    • Bonus Interest Rate earned for the Mission achieved in the prevailing month will be applied to calculate the Bonus Interest with reference to the Eligible Deposit Amount in the Eligible Account in the next calendar month.
    • Missions include:
    Missions Requirements Monthly Bonus Interest Rate
    Fund in
    • Set your Citi Interest Booster account as your payroll account (credit HK$10,000 or above); OR
    • Set up standing instructions for monthly transfers; OR
    • Transfer from your other accounts via FPS, or via Citi ATMs
    0.3%
    Maintain Balance
    • Maintain a daily balance of at least HK$100,000 in your savings and investment accounts
    0.3%
    Investment & Currency Exchange
    • Make any three in-app, eligible investment transactions of at least HK$1,000. Eligible transactions include: 
      • investment transactions between foreign currency exchange; Flexi Wealth or mutual fund transactions; or stock trades via the Hong Kong & China Connect - Shanghai and Shenzhen markets
    0.6%
    Spend
    • Spend at least HK$4,000 on your Citi Plus Debit Mastercard or Credit card, and repay the balance via the app
    0.3%
        Extra 1.5% p.a.
  • 3X Points for online shopping and fitness memberships
    • Online shopping and fitness memberships: 3X Points (1.2% cash rebate) (1 Point + Extra 2 Points; HK$1 spending = 3X Points)
    • Other spendings: 1X Point (0.4% cash rebate) (HK$1 spending = 1X Point)
    • You can offset your spending with Point via Citi Pay with Points. You can also redeem cash rebate, vouchers, air miles and more with your Points.
    • No expiry date on Points.
  • Purchase protection insurance
    • Purchases made with your Citi Plus Credit Card will automatically be insured against any damages, loss or theft for up to US$7,600 within 30 days of purchase.
  • Perpetual annual fee waiver

Need to know

  • Citi Plus Credit Card is dedicated for Citi Plus Account Holder.
    • You can apply for Citi Plus Credit Card when you fill in Citi Plus Account online form.
  • Welcome offer is 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.
    MoneyHero Exclusive Offer is only applicable to new customers who do not have any or do not cancel any banking relationship within the past 12 months.
  • Normal credit limit will be granted after you complete one of the following relevant requirements within the first 3 months of card approval:
    • Submission of income proof documentation; or
    • Successfully setting up Citi Plus Banking Account as payroll account; or
    • Funding a minimum of HK$80,000 in my Citi Plus Banking Account; or
    • Submission of other asset proof, e.g. fixed deposit advice.
  • Each Eligible Card account is subject to a maximum of 50,000 bonus Points per statement cycle.
    • Spend HK$25,000 on online spending and fitness memberships monthly, and the cap will be reached.

Year-round rewards

Supermarket Spending
0.4%
Dining Spending
0.4%
Digital Wallet Spending
0.4%
Overseas Spending
0.4%
Local Spending
0.4%
Octopus Top Up Spending
0.4%
Online Shopping Spending (Local)
1.2%
Online Shopping Spending (Overseas)
1.2%

Eligibility

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

Fees

Annual fee
Perpetual Annual Fee Waiver
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/CNY300/US$40 or the amount of minimum payment due under the last monthly statement, whichever is lower
Retail Purchase APR
35.51%
Cash Advance APR
39.72%
Interest Free Repayment Period
58 days

Other information

Credit card type
Mastercard

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