Citi Rewards Card (Student)
Last Updated: Jan 2023
No Requirement

Min. Annual Income


Local Spending - Cashback Rate

on wallet transaction spending
Other expenditure: 0.4% cashback

Overseas Spending - Cashback Rate

Welcome Offers from Citibank

Up to 75,000 Points
  • New Customers who accumulate spending of HK$1,000 or above that is made through contactless payment within the first 2 months from card issuance which include at least 1 mobile payment via Apple Pay, Google Pay or Samsung Pay can earn a combined total of up to 75X Points (Up to 75,000 Points).
  • Promotion period is valid from 1 January to 30 June 2022.
Spending made via wallet transaction: 5X Points

Great for

  • Citi Rewards Card (Student) Welcome Offer

    Requirements Rewards
    New customers of Citi Credit Card who
    • accumulate spending of HK$1,000 or above which include at least 1 mobile payment via Apple Pay, Google Pay or Samsung Pay within first two months from the date of card issuance 
    Up to 75,000 Points
    (Welcome offer of up to 75X Points)
  • Enjoy full rebate on the interest charges in the first two statement cycles
    • New Customers can enjoy 100% Cash Rebate on the finance charges from Retail & Cash Advance transactions posted to the first 2 months' statements upon card approval date.
    • Cash Rebate will be capped at HK$1,000 for each customer in the entire promotion.
    • No registration is required.
  • Rewards Points

    • Enjoy 5X points for all wallet transactions (Apple Pay, Google Pay and Samsung Pay)
    • 1X Point on other spendings (HK$1 spending = 1X Point) (0.4% cash rebate)
    • Points will never expire and can be redeemed for rewards anytime;
    • Avios or Asia Miles can be redeemed from credit card points.
  • First year annual fee waiver

Need to know

  • Welcome offer is only applicable to customers who are full time students of degree/diploma program of a Hong Kong Tertiary Institution.
  • Handling fee of HK$50 - HK$300 will be charged for redeeming Points for miles each time.

Year-round rewards

Local Spending
Other expenditure: 0.4% cashback
Overseas Spending
Digital Wallet Spending
Online Shopping Spending (Local)
Online Shopping Spending (Overseas)
Octopus Top Up Spending


Minimum Age
18 years old
Min. Annual Income
No requirement


Annual fee
Foreign Currency Transaction Fee


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
Cash Advance APR
Interest Free Repayment Period
58 days

Other information

Credit card type

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