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CITI REWARDS CARD

Welcome offer of HK$800
Wellcome Supermarket and Lifestyle Supermarkets Shopping Voucher.
Apply UnionPay Card to get an extra HK$200 cash rebate
(applicable to both New and Existing customers)

Make your shopping more rewarding

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

Get rewarded faster than ever

Enjoy 5X Points

Enjoy 5X Points for all wallet transactions (Apple Pay, Google Pay and Samsung Pay)^

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

Points that never expire

Points that never expire

Citi Pay with Points

Instantly offset spending anytime with Citi Pay with Points.

Extra benefit for Citi Rewards UnionPay Card

Earn up to10X points with Rewards UnionPay Card
Earn 10X points for QuickPass, UnionPay QR Code and Online Retail Transactions#
One card, dual currency
One card, dual currency

Spending in Hong Kong and overseas will be billed in HK$. Spending in Mainland China will be billed in CNY.

Top 3 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$800 Wellcome Supermarket and Lifestyle Supermarkets Shopping Voucher
Apply UnionPay Card to get an extra HK$200 cash rebate
(applicable to both New and Existing customers)

Refer now to get HK$500 Cash Rebate for each referral

Submit Document

Please send copies of your supporting document here.

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

Useful Links
Activate your card
Lost or stolen cards
Cardholders guide - Fee schedule / Important hints / Payment option

Remarks:
^All Wallet Transactions 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 2022 Extra 2X Points for Wallet Transaction". 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 2022 Extra 2X Points for Wallet Transaction"). "Citi Rewards Card 2022 Extra 2X Points for Wallet Transaction" will be valid from March 1, 2022 to December 31, 2022.

*All Mastercard contactless and payWave Transactions 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.

#All Quickpass Transactions are entitled to 10X 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 7 Points awarded under "2022 Citi Rewards UnionPay Card Extra Bonus Points". All UnionPay QR Code Transactions and Online Retail Transactions are entitled to 10X Points, which include the basic spending reward of 1 Point per HK$1 charged and the extra 9 Points awarded under "2022 Citi Rewards UnionPay Card Extra Bonus Points". The extra points will be capped at 50,000 Points for "3X Points" Program and capped at 70,000 Points for "2022 Citi Rewards UnionPay Card Extra Bonus Points" for each Eligible Card account per statement cycle. "2022 Citi Rewards UnionPay Card Extra Bonus Points" will be valid from April 1, 2022 to December 31, 2022.

 

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 reserve 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. 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” 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 2022 Extra 2X Points for Wallet Transaction:

  1. Unless otherwise specified, the promotion period is from March 1, 2022 to December 31, 2022, 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 Wallet Transactions are entitled to Extra 2X Points for which 2 Points will be rewarded for every HK$1 charged within Promotion Period. “Wallet Transactions” refer to retail transaction made with the Eligible Card in Hong Kong Dollars via wallet 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” 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 2022 Citi Rewards UnionPay Card Extra Bonus Points:

  1. Unless otherwise specified, the promotion period is from April 1, 2022 to December 31, 2022, 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 UnionPay QR Code Transactions and Online Retail Transactions made with the Eligible Card are entitled to Extra 9X Points for which 9 Points will be rewarded for every HK$1 charged, and all local retail transactions in Hong Kong Dollars via QuickPass made with the Eligible Card are entitled to Extra 7X Points for which 7 Points will be rewarded for every HK$1 charged within the Promotion Period.
  4. The 2022 Citi Rewards UnionPay Card Extra Bonus Points will be capped at a total of 70,000 Points for each Eligible Card account per statement cycle (this does not pool with "3X Points" Program).
  5. Extra Points will be credited into the Eligible Card account in 3 months after the transaction is posted.
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