Citi Rewards Card

Citi Rewards Card

The Citi Rewards Card offers a first-year annual fee waiver, and students are eligible to apply. It provides 5X points for mobile payments and 3X points for contactless payments. Points can be converted to miles, where mobile payments yield HK$3 per mile and contactless payments yield HK$5 per mile, and the points have no expiration date.
Highlights
Benefits
Quick Facts
More Info
Guides
Eligibility
Fees
Others
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Citi Rewards Card Highlights

Points Rebate on Shopping
3  %
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Points Rebate on Entertainment
3  %
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Points Rebate on Local Mobile Payment
1  %
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Annual Fee Waiver
First year
2 Offers Available
HK$2,500 Apple Store Gift Card
MoneyHero Citi Core Cards Exclusive Limited-Time Offer
HK$2,500 Apple Store Gift Card

+ 11 other gift options

Important Dates

  1. Promotion Period Starts
    24 August 2026, 6 pm

  2. Promotion Period Ends
    28 August 2026, 6 pm

  3. Credit Card Approval and Activation Deadline
    On or before 30 September 2026

  4. Accumulate HK$4,000 in Eligible Spending
    Within 30 days after successful card approval

  • Designated Cards include Citi Cash Back Card, Citi Rewards Card, Citi Rewards UnionPay Card & Citi Premier Miles Card ; not applicable to student cards
  • The Gold Reward is provided by Chow Sang Sang. A total of 100 redemption slots are available on a first-come, first-served basis. Once all redemption slots have been allocated, HK$2,400 Wellcome shopping vouchers will be provided as the substitute reward.
  • Insta360X4 Air (Standard Bundle) : Includes an extra battery, a 114cm invisible selfie stick, and a lens protector for added practicality and better value for money — perfect for beginners looking for an all-in-one setup.
  • *Below customers are not eligible for this promotion:
    • customers who have held any credit card with Citi Bank in the 12 months preceding the date on which their application for a designated card is made as part of this promotion
    • students

Frequently Asked Questions

  • Am I an eligible customer?
    Please refer to Clauses 1, 3, and 4 of the Terms and Conditions.
  • What are eligible transactions?
    Please refer to Clause 3d of the Terms and Conditions.
  • Can I receive other Citibank welcome offers from the same application while claiming the MoneyHero Exclusive Offer?
    Please refer to Clause 4g of the Terms and Conditions.

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.
  • *Details for redeeming the DELONGHI La Specialista Arte Pump-Driven Espresso Coffee Machine EC9155 (valued at HK$7,818): After the eligibility are confirmed by the bank, MoneyHero will send out the redemption emails to the eligible customers. Customers can follow the instructions in the email and receive the DELONGHI La Specialista Arte Pump-Driven Espresso Coffee Machine EC9155 (valued at HK$7,818) by paying HK$525 using Designated Card at the redemption center. If there are any questions regarding the above rewards (including warranty and product condition), please contact MoneyHero to confirm the details.
  • 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
  • Customers would not be eligible to Citi welcome offer if obtained MoneyHero exclusive offer. 
Apple AirTag (Gen 1) x 2 pcs
🍎 Extra Apple AirTags Up for Grabs!
Apple AirTag (Gen 1) x 2 pcs

  • Eligibility for promotional rewards is subject to the internal audit records of MoneyHero and the card issuer.

  • For the purpose of this promotion, “Voucher or Gift Card” refers to an Apple Store Gift Card, Wellcome Shopping Voucher or Trip.com e-voucher. 

  • Applications must fulfil the MoneyHero Exclusive Offer requirements.

  • Applications must be successfully approved within the designated period, and the specified spending requirement must be met within the designated period, where applicable.

  • For full offer details, please refer to the Terms and Conditions.

Things to consider

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High-priced welcome gifts

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Annual Fee waiver

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Citi Rewards Card Benefits

Points Rebate

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Points Rebate on Shopping
3  %
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Points Rebate on Entertainment
3  %
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Points Rebate on Local Mobile Payment
1  %
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Citi Rewards Card More Info

  • Rewards Points 
    • Enjoy up to 3% Points Rebate for Shopping & Entertainment spend
    • 1% Points Rebate for all local Mobile Payments 
  • First year annual fee waiver
  • 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").
  • Handling fee of HK$50 - HK$300 will be charged for redeeming Points for miles each time. 
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Citi Rewards Card Eligibility

Eligibility

Minimum Age
18  years old
Min. Annual Income
HK$ 120,000
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Citi Rewards 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 Rewards Card Others Info

Association

Mastercard

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Citi Rewards Card Citi Rewards Card

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