PAY WITH POINTS

Pay with Points
3 clicks to offset spending with your Points

Pay with Points 3 clicks. A whole new way to pay with Points.

From now on, through our Pay with Points program, you will receive an SMS prompting you to settle transactions made at any local merchants** with your Points for a more convenient and enjoyable experience!

Easy and convenient

It takes just 3 clicks to complete Points redemption via your mobile. No more complicated Points calculation, as the required Points are shown for instant redemption.

Flexible and hassle free

You can choose the amount of Points you'd like to redeem.

Steps to Pay with Points
SMS will be sent to your registered mobile++ upon making a successful transaction with eligible Citi Credit Card* at any local merchants**. Within 24 hours, click on the link shown in the SMS and you will be directed to the Citi Pay with Points website for instant redemption.
At Pay with Points website, select the amount^ you wish to Pay with Points.
You will receive an instant confirmation for successful redemption+.
Redemption Rate
Eligible Citi Credit Card Merchant Category Redemption Rate
Citi Prestige Card,
Citi PremierMiles Card

Any local merchants **

190 Points= HK$1

Citi Rewards Card#,
Citi Gold Card,
Citi Classic Card

Any local merchants **

250 Points= HK$1

FAQ

It is a new service that allows you to redeem your Points to offset your eligible transactions at designated merchant or designated merchant category. It is applicable to principal credit cardholders of Citi Ultima Card, Citi Prestige Card, Citi PremierMiles Card, Citi Rewards Card (except Citi Rewards UnionPay Card), Citi Gold Card and Citi Classic Card issued by Citibank (Hong Kong) Limited.

  • When the eligible transaction is made, you will receive a SMS informing you the transaction amount and a link toward the redemption site.
  • By clicking the link of the redemption site, you will be able to select the amount you’d like to redeem with Points. The equivalent Points to be deducted, your available Rewards Points and transaction amount will show in the redemption site as well.
  • Once the redemption amount is selected, you may click the “Redeem Now” button and you will receive an instant redemption confirmation on the redemption site.
Eligible Citi Credit Card Designated Merchant/ Merchant Category Redemption Rate
Citi Ultima Card,
Citi Prestige Card,
Citi PremierMiles Card

Any local merchants **

190 Points= HK$1

Citi Rewards Card#,
Citi Gold Card,
Citi Classic Card

Any local merchants **

250 Points= HK$1

No, there is no additional charge to use Pay with Points.

The Pay with Points redemption service is valid for 24 hours from performing the eligible transaction, but you are suggested to redeem when the SMS is received.

The Pay with Points redemption service is valid for 24 hours from performing the eligible transaction.

Upon confirmation of successful redemption, the redemption will show in your account as a statement credit in your next statement cycle.

No, please click the link in the SMS and select the redemption amount at the redemption site.

There may be lots of reasons, e.g. mobile network or the cardholder opts out for SMS. If you opt out for SMS, please fill and submit the opt-in form for Citi direct marketing information via SMS.

If the offers are still valid and point balance is sufficient, you can still click through the links and select the transaction amount you’d like to redeem with Points.

Eligible Citi Credit Card Designated Merchant/ Merchant Category Redemption Rate Minimum Redemption
Citi Ultima Card,
Citi Prestige Card,
Citi PremierMiles Card

Dining

190 Points= HK$1

9500 Points = HK$50
All Other Categories 190 Points= HK$1 19000 Points = HK$100

Citi Rewards Card#,
Citi Gold Card,
Citi Classic Card

Dining

250 Points= HK$1

12500 Points = HK$50
All Other Categories 25000 Points = HK$100

Please contact our 24-hour CitiPhone Banking: (852) 2860 0333.


Find out more about the exciting Rewards from Citi ThankYouSM Rewards.

Don't forget to give consent to receive Citi direct marketing information via SMS!

1. Download and complete the form
2. Return the completed form to Citibank branch or mail to Citibank (Hong Kong) Limited - PO Box 20151 Hennessy Road Post Office HK

Remarks:

** Refer to retail and online transactions settled in Hong Kong Dollars.
++ According to your registered mobile number in the bank's records.
* Offer is only applicable to designated Citi Credit Cardholders who received the SMS. Please refer to T&C for more details.
^ The redemption starts from the minimum amount (subject to the minimum Points shown in the Pay with Points website) and up to the transaction amount (subject to cardholder’s available Points balance).
+ A cash rebate will be credited to the principal card account of the designated card within 7 calendar days. The redemption will be shown in the principal cardholder's next statement cycle.
# Except Citi Rewards UnionPay Card.
¹ Redemption rate and minimum redemption is subject to change without prior notice.

Terms & Conditions:Terms & Conditions:

Pay with Points – SMS Redemption Service Terms and Conditions

  • The Pay with Points – SMS Redemption Service (the “Service”) is applicable to the principal cardholders (“Cardholders”) of Citi Ultima Card, Citi Prestige Card, Citi PremierMiles Card, Citi Rewards Card (except Citi Rewards UnionPay Card), Citi Gold Card and Citi Classic Card issued by Citibank (Hong Kong) Limited (“Citibank”) (“Eligible Card”).
  • This Service is applicable to the card transactions Cardholders made at local merchant or merchant category with Eligible Card and specified in the SMS (“Selected Transaction”). Local merchant categories are subject to the definition of Visa/MasterCard International’s Merchant Data Standards and the settings of the acquiring bank. Ineligible transactions include but are not limited to withdrawal amount/loan amount under the Balance Transfer Program, Cash Conversion Program, Flexi-Installment Program, Dial-a-Check Installment Program, payment to the Inland Revenue Department, casino transactions, other unauthorized transactions and fraud and abuse transactions.
  • To enjoy this Service, Eligible Cardholders must click the link provided in the SMS via their mobile phone number that has been registered with Citibank, as per Citibank’s last updated records, and select the amount to redeem with Citi ThankYouSM Rewards Points (“Points”).
  • Cardholders must redeem using the Points on the Eligible Card specified in the SMS.
  • The Service is subject to the Eligible Cardholder’s mobile phone service provider ability to support the service, and the relevant terms and charges of such service provider.
  • The Service is valid within 24 hours of performing the Selected Transaction.
  • The amount of Points redeemed for statement credits to offset Selected Transaction will be deducted from Eligible Card account (“Redemption”). Cardholders may redeem up to Selected Transaction amount in full with Points or available Points at Eligible Card account (whichever is lower). Cardholders must redeem a minimum amount, which is subject to the minimum required Points shown in the Citi Pay with Points website for each redemption. Statement credits will be posted to Eligible Cardholder’s Card Account within 7 calendar days of redemption.
  • Citibank guarantees neither the delivery, accuracy, nor security of the contents of any SMS sent by Citibank to Eligible Cardholders. Eligible Cardholders must promptly update Citibank of any change to mobile phone number. Citibank shall not be liable to any Cardholder or anyone else for any losses or damages arising from the Service, including but not limited to, (a) non-delivery, delayed delivery, wrong delivery or partial delivery of any SMS; or (b) inaccurate contents of any SMS.
  • The Service cannot be cancelled, returned, exchanged or traded for cash or other promotion.
  • If Eligible Cardholder returns or cancels the Selected Transaction, any associated statement credit will remain on Eligible Cardholder’s Card Account and Points will not be returned.
  • Unless otherwise specified, Terms and Conditions of the Citi ThankYouSM Rewards Program apply. For details, please visit https://www.citirewards.com/cms/sites/globalrewards-hk-eng/terms-and-conditions.page.
  • Citibank reserves the right to terminate this Service or amend its terms and conditions at any time without prior notice.
  • Citibank shall not be responsible for any matters in relation to the related products or services. The respective merchants are solely responsible for all obligations and liabilities relating to such products or services and all auxiliary services.
  • In the event of any dispute, Citibank’s decision shall be final and conclusive.
  • In the event of any discrepancy between the English and Chinese versions of these terms and conditions, the English version shall prevail.