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Citi Plus Credit Card

Citi Plus Credit Card

The Citi Plus Credit Card doesn't have an annual fee and offers up to 12% cashback at selected merchants. Additionally, spending can help boost the savings interest rate for the Citi Plus bank account!
Annual Fee Waiver
Perpetual Annual Fee Waiver
Min. Annual Income
HK$ 120,000
Cashback Local
0.4  %
Cashback Local Online Shopping
1.2  %
2 Offers Available
Marshall Emberton Bluetooth Speaker (valued at HK$1,499)
MoneyHero Limited-Time Exclusive Offer
Marshall Emberton Bluetooth Speaker (valued at HK$1,499)

+ 4 other gift options

New Citi Credit Card Customers receive Marshall Emberton Bluetooth Speaker (valued at HK$1,499) / Iris Ohyama Ricopa IH Cooker (valued at HK$998) / HK$500 Apple Store Gift Card OR Wellcome Shopping Voucher OR HKTVmall e-Gift Voucher exclusively from MoneyHero when they spend a designated amount and fulfill the following requirements:

  • From 30 November 2023 6 p.m. to 2 January 2024 6 p.m.: New Citi Credit Card Customers who successfully apply for the Designated Card via MoneyHero.
  • Within 7 days of receiving the form: Submit the reward redemption form sent via email previously.
  • On or before 31 January 2024: The card must be approved by Citibank. You are required to activate the card.
  • Within 30 days upon card approval: Make a minimum spend of HK$2,000 with the card (PayMe top-up/Alipay/WeChat Pay included)

Tips:
    • Please turn off AdBlocker and private mode before application: 3 settings to ensure reward eligibility
    • Note down your application reference number shown on the application completion page for reference (e.g. ABC123456789).
    • 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.
    • If you have concerns regarding the redemption process, please refer to the Terms and Conditions.
Up to HK$1,800 Cash Rebate Welcome Offer
Welcome Offer
Up to HK$1,800 Cash Rebate Welcome Offer

+ 3 other gift options

Welcome Offer

  • Reward 1 - Up to HK$1,800 Cash Rebate Welcome Offer
    • Deposit HK$500,000 or more new fund to enjoy HK$1,800 cash rebate
    • Deposit HK$200,000 new fund to enjoy HK$700 cash rebate
    • Deposit HK$100,000 new fund to enjoy HK$300 cash rebate
    • Deposit HK$50,000 new fund to enjoy HK$100 cash rebate
    • For details, please refer to the attached Terms and Conditions
  • Reward 2 - Up to 5.5% USD Time Deposit rate
    • New Customers to deposit $50,000 (HKD or equivalent) or above new funds and convert the eligible new funds in designated foreign currencies will enjoy up to 5.5% p.a. preferential rate for USD Time Deposit
  • Reward 3 - Spending reward up to HK$500 Cash Rebate
    • Cardholders of Citi Plus Debit Mastercard® and Citi Plus Credit Cards who make eligible spending in designated merchants, are entitled to up to 12% Rebate
  • Reward 4 - Open a stock account online to get HK$500 cash rebate
    • HK$0 brokerage fee for HK Stock and US Stock for first 3 months
    • Transfer in HK/ US/ SH/ SZ stock to earn up to HK$10,000 Cash Reward
  • Terms and Conditions Apply.

Things to consider

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Online shopping rebate

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Local spending rebate

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Purchase protection

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No Annual Fee

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Citi Plus Credit Card Benefits

Cashback

location_on
Cashback Local
0.4  %
flight
Cashback Overseas
0.4  %
restaurant
Cashback Dining
0.4  %
shopping_cart
Cashback Supermarket
0.4  %
shopping_bag
Cashback Local Online Shopping
1.2  %
shopping_bag
Cashback Overseas Online Shopping
1.2  %
account_balance_wallet
Cashback Digital Wallet
0.4  %
Cashback Octopus Top Up Spending
0.4  %

Airmiles

location_on
Airmiles Local
$ 15  per mile
flight
Airmiles Overseas
$ 15  per mile
restaurant
Airmiles Dining
$ 15  per mile
shopping_bag
Airmiles Local Online Shopping
$ 5  per mile
shopping_bag
Airmiles Overseas Online Shopping
$ 5  per mile
shopping_cart
Airmiles Supermarket
$ 15  per mile
Airmiles Digital Wallet
$ 15  per mile
  • Welcome Offer

    • Reward 1 - Up to HK$1,800 Cash Rebate Welcome Offer
      • Deposit HK$500,000 or more new fund to enjoy HK$1,800 cash rebate
      • Deposit HK$200,000 new fund to enjoy HK$700 cash rebate
      • Deposit HK$100,000 new fund to enjoy HK$300 cash rebate
      • Deposit HK$50,000 new fund to enjoy HK$100 cash rebate
      • For details, please refer to the attached Terms and Conditions
    • Reward 2 - Up to 5.5% USD Time Deposit rate
      • New Customers to deposit $50,000 (HKD or equivalent) or above new funds and convert the eligible new funds in designated foreign currencies will enjoy up to 5.5% p.a. preferential rate for USD Time Deposit
    • Reward 3 - Spending reward up to HK$500 Cash Rebate
      • Cardholders of Citi Plus Debit Mastercard® and Citi Plus Credit Cards who make eligible spending in designated merchants, are entitled to up to 12% Rebate
    • Reward 4 - Open a stock account online to get HK$500 cash rebate
      • HK$0 brokerage fee for HK Stock and US Stock for first 3 months
      • Transfer in HK/ US/ SH/ SZ stock to earn up to HK$10,000 Cash Reward
    • Terms and Conditions Apply.
  • Citi Interest Booster - Earn points and interest rate when you spend with the card. Easy missions to boost your interest rate up to 1.5% p.a.
    • Citi Interest Booster is an interest-bearing checking account.
    • Enjoy 1.17% interest rate when you successfully open the account. Earn up to 1.5% extra p.a. by completing destinated 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:
      MissionsRequirementsMonthly 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.
  • MGM Rewards Programme
    • To be eligible for the referral offers, the Referrer (“Referrer”) must be
      • (i) an existing Citigold Private Client / Citigold / Citi Priority / Citi Plus / Citibanking client of Citibank (Hong Kong) Limited (“Citibank”); OR
      • (ii) an existing principal cardholder of Citi Credit Card issued by Citibank; OR (iii) Citi Credit Card applicant who submitted the card application within the Promotion Period and successfully approved by Citibank on or before February 29, 2024;
    • Within the Promotion Period, the Referrer and the Referee will be eligible for the following Referral offers (“Referral Offers”), upon Referrer reaching a Successful Referral:
      • Both successful Referrers and Referees are entitled to a HK$250 Cash Rebate upon successfully referring the Referee to open Citi Plus banking account only
      • Both successful Referrers and Referees are entitled to a HK$500 Cash Rebate upon successfully referring the Referee to open both Citi Plus banking account and Citi Rewards Mastercard, Citi Octopus Platinum Card, or Citi Plus Credit Card
    • Terms and Conditions Apply.
  • 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

Other things to note

  • 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.

Eligibility

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

Fees

Annual Fee Waiver
Perpetual Annual Fee Waiver

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

Association

Mastercard

Citi Plus Credit Card Citi Plus Credit Card