Citi The Club Credit Card

Citi The Club Credit Card

Citi The Club Credit Card offers a permanent annual fee waiver and rewards through Club Points. When using the card at HKT merchants and selected partner merchants, cardholders can earn up to 4% cashback, while other transactions accrue a 1% cashback. Cardholders also receive benefits such as priority concert ticket booking, accidental damage coverage for electronics, and travel insurance.
Annual Fee
Perpetual Annual Fee Waiver
Cashback Online Food Delivery
4  %
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Cashback Dining
4  %
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Cashback Local Online Shopping
4  %
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Offer Available
HK$1,600 Cash Rebate
MoneyHero Exclusive Offer
HK$1,600 Cash Rebate

New Citibank Customers can get MoneyHero Exclusive reward with HK$1,600 Cash Rebate by following below requirements:

Requirements

  • From 3 May 2024 12 noon till 3 June 2024 6 p.m.: Successfully apply for the designated Citibank Credit Card(s) and submitted redemption form via MoneyHero
  • On or before 2 July 2024: The card must be approved by Citibank
  • Within first 3 months after card approval: Have accumulated eligible transactions of HK$8,000 + at least 1 approval transaction per month

Tips

  • Please turn off AdBlocker and private mode before application: 3 settings to ensure coupon reward eligibility
  • Please note down the application reference number (e.g. ABC123456789) provided on the page after completing the application
  • If you have any concerns, please refer to the Terms and Conditions
  • New Credit Card Customers shall be defined as: Customers who currently do not hold, have not cancelled and have not held any principal credit card of Citi within the past 12 months from the month of application for the Eligible Card

Things to consider

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Travel insurance

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Dining rebate

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Food delivery

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Concert ticketing

Cashback

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Cashback Base Rate
1  %
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location_on
Cashback Local
4  %
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flight
Cashback Overseas
1  %
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luggage
Cashback Travel
1  %
restaurant
Cashback Dining
4  %
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orders
Cashback Online Food Delivery
4  %
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shopping_bag
Cashback Local Online Shopping
4  %
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Additional Benefits

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Complimentary Travel Insurance
Yes
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  • Earn up to 4% Spending Rebate at Designated HKT merchants and Designated Merchants

    • Designated HKT merchants include 1O1O/csl/NETVIGATOR/Now TV/Club Shopping
    • Spend HK$100 earn 20 Clubpoints = HK$4 spending rebate
    • Spending at Designated Merchants, earn up to 4% rebate in Clubpoints. 3% rebate in Clubpoints on eligible accumulated spending in designated merchants in Clubpoints is subject to a cap of 1,500 Clubpoints per statement cycle.
    • Spending at Club Shopping (https://shop.theclub.com.hk/ or The Club Platform), earn up to 3% plus 1% rebate in Clubpoints, 1% rebate in Clubpoints is subject to a cap of 500 Clubpoints per statement cycle.
    • Upon reaching the Clubpoints limit, cardholder can still enjoy 1% rebate in Clubpoints on eligible transactions.

  • Earn 1% Spending Rebate at Other Merchants with No Cap
    • Spend HK$100 earn 5 Clubpoints = HK$1 spending rebate
    • Any other eligible transactions with no minimum spending requirement

Other things to note

  • Retail Purchase APR:
    35.51% (2.67% per month) when you open your account and it will be reviewed from time to time. Citibank will not charge you a finance charge if you pay your statement balance in full by the due date each month, otherwise a finance charge will be charged on (i) the unpaid statement balance from the date of the previous statement on a daily basis until payment in full and (ii) the amount of each new transaction (entered into since the previous statement date) from the date of that new transaction on a daily basis until payment in full.

  • Cash Advance APR:
    39.72% (2.67% per month) (inclusive of cash advance fee) when you open your account and it will be reviewed from time to time. A finance charge will be charged on the amount of cash advance from the date of the transaction until payment in full.

Eligibility

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

Fees

Annual Fee Waiver
Permanent
Annual Fee
Perpetual Annual Fee Waiver
Foreign Currency Transaction Fee
1.95  %
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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
34.28  %
Cash Advance APR
35.81  %
Interest Free Period
58  days

Association

Mastercard

Tags

Citi The Club Credit Card Citi The Club Credit Card