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.

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Cashback Dining

4 %

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Every HK$100 = 20 Club Points (equivalent to HK$4 (4%) rebate) for designated fast food restaurants (McDonald's, Starbucks, etc.). (Up to 1,500 Club Points rebate per month)

Cashback Online Food Delivery

4 %

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Every HK$100 = 20 Club Points (equivalent to HK$4 (4%) rebate) for Foodpanda orders. (Up to 1,500 Club Points rebate per month)

Annual Fee

Perpetual Annual Fee Waiver

Cashback Local Online Shopping

4 %

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Every HK$100 = 20 Club Points (equivalent to HK$4 (4%) rebate) for designated HKT merchants.

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Citi The Club Credit Card Highlights

Cashback Dining

4 %

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Every HK$100 = 20 Club Points (equivalent to HK$4 (4%) rebate) for designated fast food restaurants (McDonald's, Starbucks, etc.). (Up to 1,500 Club Points rebate per month)

Cashback Online Food Delivery

4 %

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Every HK$100 = 20 Club Points (equivalent to HK$4 (4%) rebate) for Foodpanda orders. (Up to 1,500 Club Points rebate per month)

Annual Fee

Perpetual Annual Fee Waiver

Cashback Local Online Shopping

4 %

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Every HK$100 = 20 Club Points (equivalent to HK$4 (4%) rebate) for designated HKT merchants.

Things to consider when choosing this 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

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Citi The Club Credit Card Benefits

Cashback

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Cashback Base Rate

1 %

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Spend HK$100 earn 5 Clubpoints = HK$1, 1% spending rebate

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Cashback Local

4 %

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Every HK$100 = 20 Club Points (equivalent to HK$4 (4%) rebate) for designated HKT merchants. (Up to 1,500 Club Points rebate per month)

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Cashback Overseas

1 %

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Spend HK$100 earn 5 Clubpoints = HK$1, 1% spending rebate

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Cashback Travel

1 %

restaurant

Cashback Dining

4 %

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Every HK$100 = 20 Club Points (equivalent to HK$4 (4%) rebate) for designated fast food restaurants (McDonald's, Starbucks, etc.). (Up to 1,500 Club Points rebate per month)

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Cashback Online Food Delivery

4 %

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Every HK$100 = 20 Club Points (equivalent to HK$4 (4%) rebate) for Foodpanda orders. (Up to 1,500 Club Points rebate per month)

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Cashback Local Online Shopping

4 %

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Every HK$100 = 20 Club Points (equivalent to HK$4 (4%) rebate) for designated HKT merchants.

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Additional Benefits

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Complimentary Travel Insurance

Yes

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When Citi The Club credit card is used to pay in full for or redeem flight tickets/accommodation/travel packages, the cardholder, their spouse and children can enjoy free travel insurance.

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Citi The Club Credit Card More Info

Earn up to 4% Spending Rebate at Designated HKT merchants and Designated Merchants
- Designated HKT merchants include 1O1O/csl/NETVIGATOR/Now TV/Club Shopping
- SpendHK$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

This MoneyHero Exclusive Offer does not apply to student cards
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.

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Citi The Club Credit Card Eligibility

Eligibility

Minimum Age

Over 18 years old

Min. Annual Income

HK$ 120,000

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Citi The Club Credit Card Fees / Repayment

Fees

Annual Fee Waiver

Permanent

Annual Fee

Perpetual Annual Fee Waiver

Foreign Currency Transaction Fee

1.95 %

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Of every transaction effected in a currency other than Hong Kong dollars.

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

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Citi The Club Credit Card Others Info

Association

Mastercard

Citi The Club Credit Card