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Now you can turn your Points into a world of rewards. Whether it's using Pay with Points to offset purchases, converting your Points or redeeming Points online, choose what you love from a variety of rewards.

Important Notice: Citi Credit Cardholders can enjoy a hassle-free rewards redemption experience online at Citi ThankYou Rewards in just a few clicks. From March 26, 2019, redeeming Points via the Citiphone hotline has been terminated#. Please log on to Citi ThankYouSM Rewards to redeem rewards online or via Pay with Points, Points Conversion to buy your favorite items now!

Learn more about how to use Citi Pay with Points to offset your spending with your accumulated Points via the following channels.

You will be prompted to offset your transactions made at participating merchant's online platform with Citi Pay with Points seamlessly without ever leaving the platform.

Participating merchants' online platforms:

Pay with your points in 3 simple steps!

  • Settle your payment with eligible Citi Credit Card^^ to enjoy Pay with Points
  • Verify your identity
  • Offset your spending with your Points
Remarks
  1. Citi Pay with Points is only applicable to Principal Cardholders of selected Citi Credit Cards.
  2. The redemption rate varies by credit card types, merchants and merchant categories, and may change from time to time. The exact redemption amount and Points required are based on the display at the Citi Pay with Points page at the time of redemption.

^^Applicable to Principal Cardholders of Citi Ultima Card, Citi Prestige Card, Citi PremierMiles Card, Citi Rewards Card, Citi Gold Card and Citi Classic Card issued by Citibank (Hong Kong) Limited only. Exclusive of Citi Cash Back Card, Citi Clear Card, Citi Octopus Credit Card, Citi Cash Back American Express® Card, and all Citi Supplementary Cards and Citibank® ATM Card

You will receive an SMS prompting you to settle transactions made at any local merchants with your Points, then it takes just 3 clicks to complete Points redemption via your mobile.
  • 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+.
Remarks
  1. Citi Pay with Points is only applicable to Principal Cardholders of selected Citi Credit Cards.
  2. The redemption rate varies by credit card types, merchants and merchant categories, and may change from time to time. The exact redemption amount and Points required are based on the display at the Citi Pay with Points page at the time of redemption.

++According to your registered mobile number in the bank's records.

*Except Citi Rewards UnionPay Card. The offer is only applicable to designated Citi Credit Cardholders who received the SMS. Please refer to Terms and Conditions for more details.

**Refers to retail and online transactions settled in Hong Kong Dollars.

^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 the 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.

You can offset your Credit Card's recent designated transactions with Points via Citibank Online.

Sign on to Citibank Online via desktop/ laptop computer and Pay with your points in simple steps!

  • Sign on to Citibank Online* via computer
  • Select your Credit Card account details and click "Pay with Points"
  • Enter the One Time Password to proceed
  • Select the transactions you would like to offset with Points and continue
  • Upon viewing the details and accept the Terms and Conditions, press continue to complete redemptions. The statement credit will be posted to your Credit Card.

Learn MoreRedeem now

*Don't have a Citibank Online User ID and password? Register here.

Points Conversion

Covert to MoneyBack Points

Now you can convert your Citi Points to MoneyBack Points via Moneyback website or App to pay for the things you like!

How to Use
  • Log in to the MoneyBack website or App, select '' Convert Points'' to convert Citi Points to MoneyBack Points
  • Input the last 4 digits of your Citi Credit Card1 to verify your identity2
  • Select the MoneyBack Points amount you wish to convert to
  • Instant confirmation for successful conversion so that you can now shop with the MoneyBack Points

Not a MoneyBack member yet?Sign up3now!

Not a MoneyBack member yet?Sign up3now!

Remarks
  1. Applicable to Principal Cardholders of Citi Ultima Card, Citi Prestige Card, Citi PremierMiles Card, Citi Rewards Card, Citi Gold Card and Citi Classic Card issued by Citibank (Hong Kong) Limited only. Excludes Citi Rewards UnionPay Card, Citi Cash Back Card, Citi Clear Card, Citi Octopus Credit Card, Citi Cash Back American Express® Card, and all Citi Supplementary Cards and Citibank® ATM Card.
  2. Your mobile number registered with MoneyBack has to be the same mobile number registered with Citi in order to proceed.
  3. You have to register your MoneyBack account with the same mobile number as you registered with Citi in order to enjoy the Citi Points Conversion to MoneyBack Points Service.

Redeem at Citi ThankYouSM Rewards online

  • Cash Rebate

    Use your points to redeem Cash Rebate. You can redeem
    HK$1 Cash Rebate with as low as 165 Points.

    Redeem Now

  • Gift Vouchers

    Redeem gift vouchers such as supermarket,
    gas station and dining

    Redeem Now

  • Merchandise

    Turn your Points into gadgets, skincare products,
    accessories and more

    Redeem Now

  • Travel Portal

    Redeem over 900 airlines, up to 190,000 hotel properties and
    car rentals in over 90 countries for your trip

    Redeem Now

  • Points Transfer

    Transfer your Points easily to 13 travel
    loyalty Programs

    Redeem Now

Simple steps to redeem rewards

Sign on to Citi ThankYouSM Rewards via desktop/ laptop computer.
Don't have a Citibank Online User ID and password? Register here.
Search for your favorite rewards.
Redeem your rewards directly with Points

# Citibank may allow one-time reward redemption via CitiPhone hotline for exceptional cases, but it is subject to additional Points required when redeeming Gift Vouchers, Merchandise and Cash Rebates via CitiPhone hotline.

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

Not a Citi Credit Cardholder?

Apply now and experience a world of rewards.