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CITI REWARDS CARD

Key Facts Statement

Get rewarded faster than ever

Enjoy 5X Points for all mobile payments (Apple Pay, Google Pay and Samsung Pay)^

Enjoy 5X Points for all mobile payments (Apple Pay, Google Pay and Samsung Pay)^

Enjoy 3X Points for all Mastercard contactless and payWave payments*

Enjoy 3X Points for all Mastercard contactless and payWave payments*

Citi Rewards

Enjoy 3X Points for QuickPass transactions*

Points that never expire

Points that never expire

Citi Pay with Points

Offset spending anytime with Citi Pay with Points.

Top 6 credit card features

Citi Rewards Cards are designed with a host of powerful features. Access the features and enjoy the ease of making payments at your convenience. The cards also offer a wide range of privileges to facilitate a wholesome experience.

Citi Pay with Points
Citi Pay with Points

Offset transaction with Points in a click

“FlexiBill” Installment Program
“FlexiBill” Installment Program

Turn statements into small payments

“Quick Cash” Installment Program
“Quick Cash” Installment Program

Instant cash to get things done right away

The Citi Mobile® App
Freedom to do more

Get the Citi Mobile App to enjoy a digital banking platform like having a bank in your hands. From checking your accounts in one place to making secure transactions, and a lot more, the Citi Mobile App gives you the freedom to access and use your accounts anytime and anywhere.

Screenshot of Citi Mobile App
Screenshot of credit card being activated on the Citi Mobile App
Screenshot of how operations are protected on the Citi Mobile App
Screenshot of ATM pin being reset on the Citi Mobile App
Screenshot of list of features offered on demand on the Citi Mobile App
Screenshot of Rewards balance on the Citi Mobile App

Everything
at a glance

Activate a
new card

Secure your
transaction

Reset your
ATM Pin

Powerful features
on demand

See your
rewards balance

Promotion

With a Citi Rewards card enjoy amazing deals and promotional offers on various categories. Utilize the exclusive benefits and privileges and make the most out of your Citi card.


A woman shopping using Credit Card promotions

Latest Credit Card Promotions

Check out the latest credit card promotions and offers available for a wide range of categories

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Citi Pay with Points

Citi Pay with Points

Offset spending with Point at designated merchants’ online platforms to enjoy exclusive privileges

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A woman using Contactless Payment

Additional Privileges for Contactless Payment

Using contactless payment to pay conveniently and enjoy extra rewards

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Make your shopping more rewarding in less than 10 minutes

Applying online for a Citi Rewards Card is easy.

Min. annual income HK$120,000
(waived for student card application)

Age 18 or older

HKID holder

(applicable to Citi Rewards UnionPay Card only)

Welcome offer of HK$1,200 Cash Rebate

Welcome Offer Terms and Conditions
Notice of Amendment to the Terms and Conditions for Citi Rewards Card

Already a Citi Credit Cardmember?

Refer a friend now to earn HK$1,600 cash rebate+

+HK$1600 cash rebate appliable when Referrer successfully refer 3 friends. Terms and Conditions apply.

Please send copies of your supporting document here.

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

Useful Links
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Cardholders guide - Fee schedule / Important hints / Payment option

Remarks:
^All Mobile 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 2023 Extra 2X Points for Mobile Payments". The extra points will be capped at 50,000 Points for each Eligible Card account per statement cycle (inclusive of "3X Points" Program and "Citi Rewards Card 2023 Extra 2X Points for Mobile Payments"). "Citi Rewards Card 2023 Extra 2X Points for Mobile Payments" will be valid from October 1, 2023 to June 30, 2024.

*All Mastercard contactless, payWave and QuickPass Payments are entitled to 3X Points, which include the basic spending reward of 1 Point and the extra 2 Points awarded under "Citi Rewards Card 3X Points Program". The extra points will be capped at 50,000 Points to each Eligible Card account per statement cycle.

 

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 Hong Kong and respective card associations may at our absolute discretion to suspend, deny or stop any transactions for observing the obligation to comply with applicable laws, regulations, subsidiary legislation, court orders, directives, guidelines and/or requirements of courts, regulatory authorities and government authorities (including the Hong Kong Monetary Authority and the Office of Foreign Assets Control of the United States Department of the Treasury) and any policies or guidelines of Citibank or Citigroup Organisation.
  7. Citibank and the respective merchants reserve the right to amend the terms and conditions without prior notice.
  8. All matters and disputes are subject to the final decision of Citibank.
  9. 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. Reward points reversal will be applied in the statement cycle when reversal transaction is posted which differ from the statement cycle of corresponding purchase transaction. Accelerated/bonus reward points will be awarded only if cumulative value of new purchase transactions in the respective spend category is higher than the value of transactions reversed.
  11. Citi ThankYou Rewards Terms 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 including but are not limited to, transactions through Faster Payment System (FPS) services, 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 mutual funds payment, fees & charges, casino transactions, Dynamic Currency Conversion transactions, i.e. transactions with conversion from a foreign currency into Hong Kong Dollars involved at the point of the transaction, unposted/cancelled/refunded transactions, other unauthorized transactions and fraud and abuse transactions. Citibank will use reasonable endeavors to collect and receive information mentioned in the transaction description as shared by network/transaction processor with Citibank to identify Octopus Add Value Service 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 2023 Extra 2X Points for Wallet Transaction:

  1. Unless otherwise specified, the promotion period is from October 1, 2023 to June 30, 2024 , 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 Mobile Payments are entitled to Extra 2X Points for which 2 Points will be rewarded for every HK$1 charged within Promotion Period. “Mobile Payments” refer to retail transaction made with the Eligible Card in Hong Kong Dollars via mobile payment methods as determined by the Bank from time to time, including Apple Pay, Google Pay and Samsung Pay 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 including but are not limited to, transactions through Faster Payment System (FPS) services, 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 mutual funds payment, fees & charges, casino transactions, Dynamic Currency Conversion transactions, i.e. transactions with conversion from a foreign currency into Hong Kong Dollars involved at the point of the transaction, unposted/cancelled/refunded transactions, other unauthorized transactions and fraud and abuse transactions. Citibank will use reasonable endeavors to collect and receive information mentioned in the transaction description as shared by network/transaction processor with Citibank to identify Octopus Add Value Service 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.

 

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