Don't have a Citi Credit Card? Apply now and enjoy double rewards!
New Credit Card Customers1 who make purchases with their new cards or use Citi PayLite / FlexiBill to split
payments will earn the below exciting rewards!
Promotion Period: From now till December 31, 2025

Requirements Rewards
Successful Card Application Spend HK$5,000 and above within the first 2 months HK$1,200 Cash Rebate2
PayLite / FlexiBill Program for Successful Application Take up loan amount of HK$10,000 with minimum repayment term of 24 months HK$450 Cash Rebate
New to PayLite / Flexibill customers 3 HK$150 Cash Rebate
Total Cash Rebate up to HK$1,800

* HK$600 cash rebate is based on Citi PayLite / FlexiBill amount of HK$10,000

Select the Citi Credit Card and apply now

Citi Prestige Card

Citi Prestige Card

Apply to get Extra 360,000 Points (30,000 Miles)%

  • Complimentary 4th night at any hotel%
  • Local spending HK$6 = 1 Mile;
    Overseas Spending HK$4 = 1 Mile
  • Complimentary global airport lounge access
  • Extra bonus points for increasing cardholding year
  • Annual fee of HK$3,800
Apply Now

Citi Cash Back Card

Citi Cash Back Card

2% Rebate on Local Dining and Hotel Spending*

  • 2% Rebate on Spending in Foreign Currency*
  • 1% rebate on other spending in local currency
  • Auto rebate with no cap
Apply Now

Citi PremierMiles Card

Citi PremierMiles Card

Up to HK$3 = 1 mile for overseas spending##

  • Citi Pay with Points: Offset transactions with Credit Card Points
  • No handling fee for mileage redemption
  • Complimentary access to worldwide airport lounge##
  • Free Travel Insurance ##
Apply Now

Citi Rewards Mastercard

Citi Rewards Mastercard

Enjoy up to 3% Points Rebate for Shopping & Entertainment spend@

  • 1% Points Rebate for all local Mobile Payment@
  • Points that never expire
  • Instantly offset spending anytime with Citi Pay with Points
Apply Now

Citi The Club Credit Card

Citi The Club Credit Card

Up to 4% rebate at more than 20 designated merchants^

  • 4% rebate using autopay for 1O1O, csl, Netvigator and NowTV^
  • Transfer Clubpoints to spending credits or redeem an amazing range of rewards at The Club
  • Complimentary travel insurance
Apply Now

Citi Octopus Platinum Card

Citi Octopus Platinum Card

2-in-1 credit card with Octopus Service

  • Earn Up to 15% Rebate on Public Transportation Fare Payments and 5% rebate on Tunnel Tolls, Parking Fees and Electric Vehicle Charge Fee☆☆
  • Every HK$200 spending = HK$1 Octopus Cash Rebate
Apply Now

Citi HKTVmall Card

Citi HKTVmall Card

Enjoy 5% instant discount at HKTVmall every Thursday☆

  • Enjoy 5X points for non-HKTVmall spending every Monday
  • Offset spending directly after payment by using Citi Pay with Points
Apply Now

Check out the reward table below for a quick guide
to earn your Cash Rebate!

For New Credit Card Customers1

Scenario New Credit Card Customers Welcome Reward2 Extra PayLite / FlexiBill Reward4
Extra Reward for New Credit Card Customers4 Extra HK$100 Cash Rebate for every HK$10,000 loan amount4,5 First time PayLite / FlexiBill Reward3,4
A Spent HK$5,000 HK$1,200 Not Eligible
B Spent HK$12,000 & successfully applied for HK$10,000 Citi PayLite for the first time HK$1,200 HK$350 HK$100 HK$150
C Spent HK$25,000 & successfully applied for HK$22,000 Citi FlexiBill but had a successful Citi PayLite / FlexiBill application in the last 24 months HK$1,200 HK$350 HK$200 Not Eligible
Scenario A:
Spent HK$5,000
Welcome Reward2
HK$1,200
Scenario B:
Spent HK$12,000 & successfully applied for HK$10,000 Citi PayLite for the first time
Welcome Reward2
HK$1,200
Extra PayLite / FlexiBill Reward4
Extra Reward for New Credit Card Customers4 Extra HK$100 Cash Rebate for every HK$10,000 loan amount4,5 First time PayLite / FlexiBill Reward3,4
HK$350 HK$100 HK$150
Scenario C:
Spent HK$25,000 & successfully applied for HK$22,000 Citi FlexiBill but had a successful Citi PayLite / FlexiBill application in the last 24 months
Welcome Reward2
HK$1,200
Extra PayLite / FlexiBill Reward4
Extra Reward for New Credit Card Customers4 Extra HK$100 Cash Rebate for every HK$10,000 loan amount4,5 First time PayLite / FlexiBill Reward3,4
HK$350 HK$200 Not Eligible

Split Your Purchases and
Bills into Flexible Installments!

Citi PayLite
Citi FlexiBill

Get what you love with ease

Turn big purchases into affordable installments

Shop wherever you like

Works for purchases of HK$200 and above on your Citi credit card

As low as 0.18%

Monthly flat rate as low as 0.18%6,7

Simple and hassle-free

Convert your purchases in a few taps on your Citi Mobile® App. No documents required

Split your big purchases

Logon to Citi Mobile® App, select credit card and click “Transaction”, click on “”
icon to settle transactions by installments.
Then click “Convert to installments” to confirm.

Convert to installments

From just HK$213.33/month
(The screenshots serve as a reference only)

Bundle multiple purchases

Logon to Citi Mobile® App, select credit card and click “Transaction”,click on “”
icon to select multiple transactions for installment.
Then click “Convert to installments” to confirm.

Convert to installments

HK$213.33/month (for 24 months)
(The screenshots serve as a reference only)

Ease your mind

Convert your statement into installments equally every month

Get in control

Choose your repayment plan for up to 48 months8

As low as 0.24%

Monthly flat rate as low as 0.24%6,7

Simple and hassle-free

Convert your purchase instantly with your Citi Mobile® App, no documents required

Settle your statement balance by installments

Logon to Citi Mobile® App, select credit card and click “Statement amount”, click “Convert to installments” to settle statement by installments.

Convert to installments

From just HK$213.33/month
(The screenshots serve as a reference only)

To borrow or not to borrow?
Borrow only if you can repay!

Remarks:

  • %
    Terms and conditions apply. For details, please refer to the Citi Prestige Card Terms and Conditions.
  • *
    Terms and conditions apply. For details, please refer to the Citi Cash Back Card Spending Rebate Program Terms and Conditions.
  • ##
    Terms and conditions apply. For details, please refer to the Citi PremierMiles Card Terms and Conditions.
  • @
    Terms and conditions apply. For details, please refer to the Citi Rewards Card Terms and Conditions.
  • ^
    Terms and conditions apply. For details, please refer to the Citi The Club Credit Card Terms and Conditions.
  • ☆ ☆
    In order to enjoy this offer, cardholders are required to register via citibank.hk/transreg to fulfill designated spending requirement. Subject to terms and conditions. For details, please refer to the Citi Octopus Platinum Card Terms and Conditions.
  • ☆
     5% off on Thursday: Discount will be instantly reflected in HKTVmall payment page upon choosing to use Citi HKTVmall Card Payment Channel and entering the relevant coupon code - “25THUR95” . Coupon code will be communicated via HKTVmall app notification or other channels to cardholders. For details, please refer to the Citi HKTVmall Card Terms and Conditions
  • 1.
    The rewards are only applicable to customers who currently do not hold, have not cancelled and 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 Credit Card Customers”).
  • 2.
    New Credit Card Customers must accumulate eligible spending of HK$5,000 or above within first 2 months from the date of card issuance in order to be entitled to the reward. All posted transactions and monthly installments of billed Merchant Installment Plan conducted by principal and supplementary card(s), if applicable, are included in the Spending Conditions calculation. Ineligible transactions, including but not limited to, transactions through Faster Payment System (FPS) services, Octopus Add Value Service transactions (including via e-wallet/ other method to top up Smart Octopus), cash advances, withdrawal amount/loan amount under the Balance Transfer Program, Cash Conversion Program, “FlexiBill” Installment Program and “PayLite” Installment Program and Quick Cash Installment Program, payment to the Inland Revenue Department, online bill payment or utilities bill / insurance transactions made with Eligible Card via internet banking or online payment system, all payments made using “Citi PayAll Service”, mutual funds payment, fees & charges, casino transactions, unposted/cancelled/refunded transactions, other unauthorized transactions and fraud and abuse transactions.
  • 3.
    The reward is only applicable to the customers who did not take up any Citi PayLite/FlexiBill in the last 24 months prior to promotion date and applied through online channels.
  • 4.
    Approved loan amount is HK$10,000 or above with a Monthly Flat Rate Plan and a minimum tenor of 24 months, on or before December 31, 2025.
  • 5.
    Each customer can get up to a maximum of HK$10,000 cash rebate.
  • 6.
    The quoted Annualized Percentage Rate ("APR") for preferential Monthly Flat Rate ("Monthly Flat Rate") of 0.18% / 0.24% are 4.04% / 5.40% respectively. APR is calculated based on the guidelines as set out in the Code of Banking Practice and is based on 12-month installment period and HK$200,000 loan amount.
  • 7.
    The quoted APR in this page is a reference rate which includes the basic interest rate and other fees and charges of a product expressed as an annualized rate. Interest is calculated on the basis of 365 days per year. The actual APR applicable may differ. Monthly Flat Rate is individualized and subject to Eligible Cardholders’ Citi Credit Card account status at the time the request is received. Please call our Application Hotline at 2860 0362 to check for individualized Monthly Flat Rate.
  • 8.
    Options of 6/12/18/24/30/36/42/48-month repayment periods are available for “FlexiBill” Installment Loan
> Terms and Conditions