Citi Rewards Card (Student)
Last Updated: May 2022
No Requirement
Min. Annual Income
2
%
Local Spending - Cashback Rate
on wallet transaction spending
Other expenditure: 0.4% cashback
0.4
%
Overseas Spending - Cashback Rate

Welcome Offers from Citibank

OFFER 1
Up to HK$300 Cash Rebate
  • 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 HK$300 Cash Rebate).
  • Promotion period is valid from 1 January to 31 May 2022.
Spending made via wallet transaction: 2% cash rebate

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 HK$300 Cash Rebate
    (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
    • Starting from 15 January 2021, "Citi Rewards Card ‘5X Points’ Program" and "Citi Rewards Card ‘8X Birthday Bonus Points’
      Program" will be replaced by “Citi Rewards Card ‘5X Points’ Points on spending made via contactless payment method Program ”.
      • 5X rewards points on spending made via contactless payment method = 1X Basic Point + Extra 2X Points from 3X Points Program + Extra 2X Points from contactless payment promotion in 2021 (2% cash rebate)
    • 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
2%
Other expenditure: 0.4% cashback
Overseas Spending
0.4%
Digital Wallet Spending
0.4%
Online Shopping Spending (Local)
0.4%
Online Shopping Spending (Overseas)
0.4%
Octopus Top Up Spending
0.4%

Eligibility

Minimum Age
18 years old
Min. Annual Income
No requirement

Fees

Annual fee
HK$1,800
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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