Citibank Credit Card Comparison: Latest Citibank Offers and Rewards
Updated: 8 Oct 2025
Card | Hot Reward Pick | MoneyHero Reward | Minimum Annual Income | Card Benefit | Annual Fee | ||
|---|---|---|---|---|---|---|---|
 | Citi Cash Back Card | HK$6,380 | HK$120,000 | 1 - 2 % | HK$1,800 | ||
 | Citi PremierMiles Card | HK$6,380 | HK$120,000 | $3 - 8 per mile | HK$1,800 | ||
 | Citi Rewards Card | HK$6,380 | HK$120,000 | 1 - 3 % | HK$1,800 | ||
 | Citi Rewards UnionPay Card | HK$5,880 | HK$120,000 | 0.37 - 1.85 % | HK$1,800 | ||
 | Citi Prestige Card | - | HK$500 | HK$600,000 | $4 - 6 per mile | HK$3,800 |
Minimum Annual Income
HK$ HK$
120,000Card Benefit
1 - 2 % cashbackAnnual Fee
HK$ HK$
1,800Annual Fee Waiver
First yearApply through MoneyHero and choose from 8 premium rewards
You’ll also receive the following welcome gift(s) directly from the bank
- Dining rebate
- Overseas rebate
- Unlimited rebate
- High-priced welcome gifts
Repayment Details
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
Interest Free Period: 58 days
Fees
Annual Fee: HK$1,800
Foreign Currency Transaction Fee: 1.95 %
Eligibility
Minimum Age: 18 years old
Min. Annual Income: HK$120,000
Key Features
- Most suitable for customer who has big spending in short period
- Earn the welcome offer with a cost-free strategy by using e-wallet transactions (PayMe / Alipay HK) which count towards the welcome spending requirement
- Clear requirement of Welcome Gift. Auto cash rebate with no cap. Cash rebate will be used to settle the outstanding balance of the statement.
- 2% rebate on local dining spending
- 2% rebate on local hotel spending
- 2% rebate on spending in foreign currency
- 1% unlimited rebate on other spending
- Rebate will be credited to the eligible card account on the following statement of account when the accumulated rebate balance reaches HK$200 or above and be used to settle the outstanding balance as well as new purchases excluding the Minimum Payment Due.
- Purchase Protection Insurance
- Purchases will be insured against any damages or loss for up to US$7,600 within 30 days of purchase.
- First year annual fee waiver
- The MoneyHero Exclusive Offer does not apply to student cards
- Welcome offers and MoneyHero exclusive offer are only applicable to customers who currently do not hold, have not cancelled or have not held any principal card of Citi Credit Card within the past 12 months from the month of application for the Eligible Card ("New Customer").
- Transactions made at any merchant in the European Economic Area are not entitled to 2% foreign currency cash rebate
- Eligible Foreign Currency Transactions exclude card-present transactions made by Cardholders at any merchant with physical premises, address of the fixed place of business or business license in any country participating in the European Economic Area (EEA) or joining after 19 October 2020. 1% Basic Cash Rebate will be awarded to card-present transactions made at merchants in the EEA.
Minimum Annual Income
HK$ HK$
120,000Card Benefit
$ 3 - 8 per mileAnnual Fee
HK$ HK$
1,800Annual Fee Waiver
First yearApply through MoneyHero and choose from 8 premium rewards
You’ll also receive the following welcome gift(s) directly from the bank
- High-priced welcome gifts
- Airport lounge
- Travel insurance
- Purchase protection
Repayment Details
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
Interest Free Period: 58 days
Fees
Air Miles Conversion Fee: HK$200
Annual Fee: HK$1,800
Foreign Currency Transaction Fee: 1.95 %
Eligibility
Minimum Age: 18 years old
Min. Annual Income: HK$120,000
Key Features
- Suitable for customers who have large amount of overseas/foreign currency spending
- Points will never expire. No service charge for mileage conversion.
- Up to 12 times complimentary access to airport lounges for every calendar year
- Cardholders are required to spend HK$5,000 per head within 30 days after the date of each lounge visit
- Free Travel Insurance
- Pay in full or redeem for flight tickets/accommodation/travel tours with the card, you and your family can enjoy free travel insurance
- Purchase Protection
- Purchases made with Citi PremierMiles Card will automatically be insured against any damages, loss or theft for up to US$7,600 within 30 days of purchase
-
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").
- When cardholder reaches total eligible transactions of HK$20,000 or above in one statement cycle, he/she will be awarded 12 Points (1 mile) per HK$3 (or equivalent foreign currency) overseas & online foreign currency transactions posted. If the total Eligible Transactions are below HK$20,000, Cardholders can still enjoy 12 Points (1mile) per HK$4 for overseas & online foreign currency transactions. If the cardholders cannot meet the spending requirement of the complimentary lounges access, they will be charged an entrance fee of HK$250 per cardholder per lounge access. Terms and conditions apply. For details, please click here for more information.
Minimum Annual Income
HK$ HK$
120,000Card Benefit
1 - 3 %Annual Fee
HK$ HK$
1,800Annual Fee Waiver
First yearApply through MoneyHero and choose from 8 premium rewards
You’ll also receive the following welcome gift(s) directly from the bank
- High-priced welcome gifts
- Annual Fee waiver
Repayment Details
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
Interest Free Period: 58 days
Fees
Annual Fee: HK$1,800
Foreign Currency Transaction Fee: 1.95 %
Air Miles Conversion Fee: $300
Eligibility
Minimum Age: 18 years old
Min. Annual Income: HK$120,000
Key Features
- 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$300 will be charged for redeeming Points for miles each time.
Minimum Annual Income
HK$ HK$
120,000Card Benefit
0.37 - 1.85 % cashbackAnnual Fee
HK$ HK$
1,800Annual Fee Waiver
First year waiverApply through MoneyHero and choose from 8 premium rewards
- High value welcome gifts
- Airport lounge
- Travel insurance
- Mobile contactless rebate
Fees
Annual Fee: HK$1,800
Air Miles Conversion Fee: $300
Eligibility
Minimum Age: 18 years old
Minimum Annual Income: HK$120,000
Key Features
- One Card, Dual Currency
- Spending in Hong Kong and overseas will be billed in HK$. Spending in Mainland China will be billed in CNY. No need to worry about the fluctuation of exchange rate
- Rewards Points
- Earn up to 3% rebate on shopping and entertainment spending
- For details, please refer to https://www1.citibank.com.hk/english/credit-cards/rewards-card
- 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$200 will be charged for redeeming Points for miles each time.
Minimum Annual Income
HK$ HK$
600,000Card Benefit
$ 4 - 6 per mileAnnual Fee
HK$ HK$
3,800You’ll also receive the following welcome gift(s) directly from the bank
- Unlimited global airport lounges access
- 4th night free at hotels worldwide
- Exclusive dining perks
- Complimentary green fees at selected golf courses
- 24/7 Citi Prestige Concierge
Repayment Details
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
Fees
Air Miles Conversion Fee: Waived
Annual Fee: HK$3,800
Foreign Currency Transaction Fee: 1.95 %
Eligibility
Minimum Age: 18 years old
Min. Annual Income: HK$600,000
Key Features
- Free Access of Priority Pass lounges globally
- Complimentary access to over 1,500 Priority Pass lounges around the world
- Offers across retail, dining, spa and shopping merchants in leading airports.
- Points will never expire
- Local Spending: HK$6 = 12 Points, equivalent to HK$6 = 1 mile
- Overseas Spending: HK$4 = 12 Points, equivalent to HK$4 = 1 mile
- Pay annual fee of HK$3,800 every year
- From the second year onwards, receive 360,000 Points^ every year (equivalent to 30,000 Asia Miles)
^Points will be credited to the eligible Principal Cardholder’s account two (2) calendar months after the annual fee has been fully paid. - Points can redeem cash rebate, vouchers, gifts and airmiles
- Complimentary 4th night at any hotel when you book a minimum 4-consecutive-night stay including staycation
- Connects to Citi Prestige Concierge hotline or access the Live Chat function via Citi Mobile® App with multiple languages
-
Complementary travel insurance, purchase protection, e-commerce protection insurance and more.
Other things to note
- This MoneyHero Exclusive Offer does not apply to student card
- Annual fee of HK$3,800 must be paid.
- MoneyHero exclusive offer is 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").
- Each Eligible Cardholder is entitled to one welcome offer only.