Remarks:
^*All Contactless Payments are entitled to 5X Points, which include the basic spending reward of 1 Point and the extra 2 Points awarded under "Citi Rewards Card "3X Points" Program" and the extra 2 Points awarded under “Citi Rewards Card 2021 Extra 2X Points for Contactless Transaction”. The Extra 2X Points will be capped at 50,000 Points for each Eligible Card account per statement cycle (inclusive of "3X Points" Program and “2021 Extra 2X Points for Contactless Transaction”). Citi Rewards Card "3X Points" Program starts from January 15, 2021. Citi Rewards Card 2021 Extra 2X Points for Contactless Transaction will be valid from January 15, 2021 to June 30, 2021.
^# Citi Rewards Mastercard: Customer will be eligible for 200,000 Points (“Welcome offer of”), which is 20X Points upon accumulated spending of HK$10,000 or above within the first 2 months after the date the card is issued (“Spending Condition”). If the HK$10,000 spending is made through contactless payment, customer can earn a combined total of up to 25X Points (Up to 250,000 Points), under which 25 Points will be rewarded for every HK$1 charged. According to the current conversion rate of Citi ThankYou Rewards through online banking, 250,000 Points can be redeemed as $1,000 cash rebate.

Citi Rewards UnionPay Card: Customer will be eligible for 200,000 Points (“Welcome offer of”), which is 20X Points upon accumulated spending of HK$10,000 or above within the first 2 months after the date the card is issued (“Spending Condition”). If the HK$10,000 spending is made through contactless payment, customer can earn a combined total of up to 30X Points (Up to 300,000 Points), under which 30 Points will be rewarded for every HK$1 charged. According to the current conversion rate of Citi ThankYou Rewards through online banking, 300,000 Points can be redeemed as $1,200 cash rebate.

Citi Rewards Mastercard (Student): Customer will be eligible for 50,000 Points (“Welcome offer of”), which is 20X Points upon accumulated spending of HK$2,500 or above within the first 2 months after the date the card is issued (“Spending Condition”). If the HK$2,500 spending is made through contactless payment, customer can earn a combined total of up to 25X Points (Up to 62,500 Points), under which 25 Points will be rewarded for every HK$1 charged. According to the current conversion rate of Citi ThankYou Rewards through online banking, 62,500 Points can be redeemed as $250 cash rebate.

The total 25X for Citi Rewards Mastercard or 30X for Citi Rewards UnionPay Card breaks down to 20X Points Welcome offer of, the basic spending reward of 1 Point, the extra 2 Points awarded under "Citi Rewards Card "3X Points" Program“, the extra 2 Points awarded under “Citi Rewards Card 2021 Extra 2X Points for Contactless Transaction”, and (UnionPay Card only) the extra 5 Points awarded under “Citi Rewards UnionPay Card 2021 Extra 5X Points for Contactless Transaction”.


1. All welcome offers are only applicable for New Citi Credit Card Customers. New Citi Credit Card Customers are defined as applicants who currently do not hold and have not held any principal card of Citi Credit Card within the past 12 months from the date of card issuance. Spending requirements apply. For details, please refer to Welcome Offer Terms and Conditions.

General Terms and Conditions:
1. Unless otherwise specified, these programs apply to principal and supplementary cardholders ("Cardholders") of Citi Rewards Card issued by Citibank (Hong Kong) Limited ("Citibank") ("Eligible Card"). The respective merchants may reject an Eligible Card if their payment system cannot handle some of the Eligible Card types. Please contact the respective merchants for details.
2. If Cardholders have subsequently cancelled / reversed any transactions in respect of which offers are rewarded, Citibank reserves the absolute right to charge the equivalent value of such offers directly from the Eligible Card account without prior notice.
3. Cardholders must maintain valid Eligible Card accounts with good credit record in order to be eligible for the offers. In case there is any fraud / abuse, Citibank reserves the absolute right to charge the equivalent value of the offers rewarded under these programs directly from the Eligible Card account without prior notice, forfeit the Cardholder's eligibility to be entitled to the offers, and/or suspend the Eligible Card account for investigation without prior notice.
4. Availability of the offers is subject to offer or service availability, account status checking and final acceptance by Citibank and the respective merchant's absolute discretion.
5. 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.
6. Citibank and the respective merchants reserves the right to amend the terms and conditions without prior notice.
7. All matters and disputes are subject to the final decision of Citibank.
8. In the event of any discrepancy between the English and Chinese versions of these terms and conditions, the English version shall prevail.

Terms and Conditions for Points Accumulations and Redemption
1. Cardholders of Citi Rewards Card will be awarded 1 Point per HK$1(or equivalent foreign currency) charged. Cardholders of Citi Rewards UnionPay Card will be awarded 1 Point per HK$1 (or equivalent foreign currency) charged in the HKD account or CNY1 charged in the CNY account. Citibank reserve the right to change at any time and without prior notice the ratio between
(a) Point(s) to be awarded; and
(b) the specified amount charged to the Eligible Card account.
2. For Citi Rewards UnionPay Card, all Points are accumulated under the HKD Account.
3. Unless otherwise specified, all Points earned by the principal and supplementary Cardholders of the same Eligible Card will be accumulated under the principal Cardholder's account.
4. Unless otherwise specified, only principal Cardholders are eligible for Points redemption.
5. Invalid transactions not eligible for Points include, but are not limited to, cash advances, fees and charges, withdrawal amount under the Balance Transfer Program, Cash Conversion Program and Quick Cash Installment Program, “FlexiBill” Installment Program and “PayLite” Installment Program, payment to the Inland Revenue Department, casino transactions, online bill payment, transactions through Faster Payment System (FPS) Service, "Dynamic Currency Conversion transactions", i.e. transactions with conversion from a foreign currency into Hong Kong Dollars involved at the point of the transaction, or unposted /cancelled /refunded transactions.
6. For Citibank Credit Card accounts denominated in CNY, invalid transactions incurred in Mainland China (excluding Hong Kong and Macau) not eligible for Points include, but are not limited to, properties, automobile, wholesales, air tickets, fuel, supermarkets, hospitals and schools, and other charges designated by Citibank from time to time.
7. Citibank may add to, or remove from, the list of invalid transactions as stated in Clauses 5 and 6 above from time to time at its discretion. The decision of Citibank as to what constitutes an invalid transaction shall be final and conclusive.
8. Points earned on Citi Rewards Card are evergreen.
9. Should any transaction in the monthly statement be cancelled or refunded for whatever reason, the Points earned in respect to those transactions will be deducted or cancelled.
10. Citi ThankYou Rewards Teerms and Conditions apply for all Points related offers. Please visit https://www.citirewards.com/cms/sites/globalrewards-hk-eng/terms-and-conditions.page

Terms and Conditions for "Citi Rewards Card "3X Points" Program"
1. The "3X Points" Program is valid from January 15, 2021 until further notice (based on the transaction date).
2. “Contactless Payments” refer to retail transaction made with the Eligible Card in Hong Kong Dollars via contactless payment methods as determined by the Bank from time to time, including Apple Pay, Google Pay, Samsung Pay, Mastercard contactless, payWave and QuickPass in Hong Kong.
3. All Contactless Payments are entitled to 3X Points for which 3 Points will be rewarded for every HK$1 charged, which include the basic spending reward of 1 Point and the extra 2 Points rewarded under this program ("the Extra 2X Points").
4. The Extra 2X Points will be capped at 50,000 Points to each Eligible Card account per statement cycle.
5. “Ineligible Transactions” include, but are not limited to, cash advances, fees and charges, withdrawal amount under the Balance Transfer Program, “Dynamic Currency Conversion transactions, i.e. transactions with conversions from a foreign currency into Hong Kong Dollars involved at the point of transaction, Cash Conversion Program and Citi Credit Card "Quick Cash" Installment Program, “PayAll” Service, "FlexiBill" Installment Program and "PayLite" Installment Program, payment to the Inland Revenue Department, casino transactions, online bill payment, transactions through Faster Payment System (FPS) Service or unposted /canceled /refunded transactions.
6. Citibank may add to, or remove from, the list of ineligible transactions as stated in Clause 5 above at its discretion. The decision of Citibank as to what constitutes an ineligible transaction shall be final and conclusive.
7. Unless otherwise specified, all Extra 2X Points earned by the principal and supplementary cardholders of the same Eligible Card will be accumulated under Principal cardholder’s account. All Eligible Transaction made through Principal and Supplementary cards under the same Eligible Card Account will be combined.
8. Extra Points will be credited into the Eligible Card account in 3 months after the transaction is posted.

Terms and Conditions for "Discounts on Coupon Redemption Rate" Program:
1. The "Discounts on Coupon Redemption Rate" Program is valid from January 1, 2016 until further notice (based on redemption date).
2. In order to enjoy the privileged redemption rates of designated coupons ("Offers"), Cardholders shall redeem the coupons online by logging onto the Citi ThankYou Rewards with the Eligible Card and required Points shall be deducted from the Eligible Card account(s).
3. The Offers are available on a first-come-first-served basis while stock lasts. Any changes of the Offers will be subject to the availability of coupons at the time of redemption.
4. The use of the coupons is subject to the terms and conditions stipulated by the respective merchants.
5. Photos, product specifications and prices are for reference only.

Terms and Conditions for Citi Rewards Card 2021 Extra 2X Points for Contactless Transaction:
1. Unless otherwise specified, the promotion period is from January 15, 2021 to June 30, 2021, both dates inclusive; based on the transaction date ("Promotion Period").
2. Unless otherwise specified, these programs apply to principal and supplementary cardholders ("Cardholders") of Citi Rewards Card issued by Citibank (Hong Kong) Limited ("Citibank") ("Eligible Card"). The respective merchants may reject an Eligible Card if their payment system cannot handle some of the Eligible Card types. Please contact the respective merchants for details.
3. All Contactless Transactions are entitled to Extra 2X Points for which 2 Points will be rewarded for every HK$1 charged within Promotion Period. “Contactless Payments” refer to retail transaction made with the Eligible Card in Hong Kong Dollars via contactless payment methods as determined by the Bank from time to time, including Apple Pay, Google Pay, Samsung Pay, Mastercard contactless, payWave and QuickPass in Hong Kong.
4. The Extra 2X Points will be capped at 50,000 Points to each Eligible Card account per statement cycle (pooled with "3X Points" Program).
5. “Ineligible Transactions” include, but are not limited to, cash advances, fees and charges, withdrawal amount under the Balance Transfer Program, “Dynamic Currency Conversion transactions, i.e. transactions with conversions from a foreign currency into Hong Kong Dollars involved at the point of transaction, Cash Conversion Program and Citi Credit Card "Quick Cash" Installment Program, “PayAll” Service, "FlexiBill" Installment Program and "PayLite" Installment Program, payment to the Inland Revenue Department, casino transactions, online bill payment, transactions through Faster Payment System (FPS) Service or unposted /canceled /refunded transactions.
6. Citibank may add to, or remove from, the list of ineligible transactions as stated in Clause 5 above at its discretion. The decision of Citibank as to what constitutes an ineligible transaction shall be final and conclusive.
7. Unless otherwise specified, all Extra Points earned by the principal and supplementary cardholders of the same Eligible Card will be accumulated under Principal cardholder’s account. All Eligible Transaction made through Principal and Supplementary cards under the same Eligible Card Account will be combined.
8. Extra Points will be credited into the Eligible Card account in 3 months after the transaction is posted.

Terms and Conditions for Citi Rewards UnionPay Card 2021 Extra 5X Points for Contactless Transaction:
1. Unless otherwise specified, the promotion period is from January 15, 2021 to June 30, 2021, both dates inclusive; based on the transaction date ("Promotion Period").
2. Unless otherwise specified, these programs apply to principal and supplementary cardholders ("Cardholders") of Citi Rewards UnionPay Card issued by Citibank (Hong Kong) Limited ("Citibank") ("Eligible Card"). The respective merchants may reject an Eligible Card if their payment system cannot handle some of the Eligible Card types. Please contact the respective merchants for details.
3. All online retails transactions and all local retail transactions in Hong Kong Dollars via QuickPass made with the Eligible Card are entitled to Extra 5X Points for which 5 Points will be rewarded for every HK$1 charged within Promotion Period.
4. The Extra 5X Points will be capped at 50,000 Points to each Eligible Card account per statement cycle (pooled with "3X Points" Program and Citi Rewards Card 2021 Extra 2X Points for Contactless Transaction).