Citi Plus®

With Citi Plus®, you can always level up your wealth from our comprehensive wealth solutions – from savings, investment and protection to spending. This summer, we bring you a variety of offers to enjoy on every part of your travels – from air ticket, hotel bookings, currency exchange to overseas withdrawal and spending. What’s more? Join now to get 7 days’ complimentary insurance coverage on your next trip! Expand your horizons with Citi Plus®. Live a little more.

Multiple Fabulous Rewards for Savings,
Investment, Protection and Spending

Open account to earn HK$500 rebate
and free single travel insurance plan
Deposit HK$500,000
new fund to enjoy
HK$500 cash rebate
Deposit HK$50,000
new fund to enjoy
HK$200 cash rebate
Limited-time Offer:
Free Single Travel Insurance Plan (7 days)
6-month premium waiver
Enjoy 6-month premium waiver in the
first policy year upon successful
application for Zurich Lifestyle
Insurance Plan.

Click HERE to learn more

Upon successful application for
Zurich FlyAway Travel Insurance Plan to enjoy:
30% off on Single Travel Insurance Plan
20% off on Annual Travel Insurance Plan

Apart from above offer, Citi Plus® also provide you
with other insurance coverage.
Enjoy 3.5% p.a. for 1-month
Foreign Currency Time Deposit
Get 3.5% p.a. interest rate with bookings up
to HK$100,000 for each selected currency

Complete mission to enjoy
extra savings rate up to 1.5% p.a.
Your account comes with 1.17% p.a. base interest rate.
What’s more, earn up to
extra 1.5% p.a. interest on savings
by completing simple missions
💡 Warm reminder: all bonus interest rates earned in the current month will apply to your account balance in the next calendar month.

The interest rate of Citi Interest Booster will be determined by the Bank from time to time.
Enjoy stock buy fee waiver
with your Investment Playlist
You can trade HK/US/SH/SZ stocks just in one App! Enjoy the real-time convenience of stock trading without manual fund transferring!
Citi Plus Investment Playlist
New Account Reward
Get up to HK$500 cash rebate
for opening HK & US stock accounts online
$0 Buy Brokerage Fee for
First 3 Months
HK Stock
US Stock
Stock Transfer-in Offer
Transfer in HK/US/SH/SZ stock to earn up to HK$10,000 Cash Reward
Referral offer up to HK$1,000
Invite your friend to open Citi Plus account
and Credit Card, each of you can earn up to
HK$500 Cash Rebate.

Want to learn more? Click HERE now!
Credit Card Offer
Successfully apply Citi Plus or designated Citi Credit Card to earn exclusive welcome offer
Cash rebate up to HK$1,600
Earn up to HK$500 rebate
with your Spending Rewards Playlist
With Citi Plus Debit Mastercard®and Credit Card, we take care of your shopping and dining needs, allowing you to spend and earn at the same time!
Citi Plus Spending Playlist
Spending Privilege
Up to 12% Rebate
at our designated partners
Spending Privilege
Up to  12% Rebate  
at our designated partners
Smart Tips:If you recently changed to Citi Plus and are still holding a non-Citi Plus Debit Mastercard® but wish to enjoy the fabulous offers using a debit card, you may chat with us via Citi Mobile® App and request a Citi Plus Debit Mastercard®.

Learn at your own pace with a series of simple, easy-to-follow financial pointers

  • Wealth Smart: Your financial literacy guide designed by experts, with bite-size contents to help you approach investments with greater confidence
  • Wealth Digest: We bring you personalized, easy-to-follow pointers to help you along with your investment decisions
  • Money Goal: Whatever your goals in life may be, buying a new car or starting a family, Money Goal will be your personal goal tracking tool to help track progress towards them

  • More on Financial Pointers >>
Wealth Smart offered by Citi: A financial literacy guide designed by experts

Earn up to 2.67% p.a. interest on savings by completing simple missions

It’s easy to earn more with Citi Interest Booster. Begin with 1.17% p.a.2 base interest and complete simple missions, such as “Maintain Balance”, “Fund In”, “Spend” and “Invest, FX & Get Insured” to boost your interest rate up to 2.67% p.a.2. Track your progress anytime on the Citi Mobile App!

More on Interest Booster >>

💡 Warm reminder: all bonus interest rates earned in the current month will apply to your account balance in the next calendar month.
Want to check out other FAQs? Click HERE now!

The interest rate of Citi Interest Booster will be determined by the Bank from time to time.
Citi Interest Booster on the Citi Mobile App

Start investing with as little as HK$1

Flexi Wealth lets you start investing3 with as little as HK$1. Buy and sell at your convenience with no transaction or monthly service fees.

Invest using our suggested mutual fund portfolios for as little as HK$100, less than the cost of a happy hour drink. An array of mutual funds are offered primarily from Aberdeen Standard Investments, Allianz Global Investors and Franklin Templeton.

Trade stocks on the Hong Kong, US and China Connect - Shanghai and Shenzhen markets right from the app.

Guide to Citi Plus Investment Services & promotion
Citi Plus Investment Services on the Citi Mobile App

Shop the world, enjoy more rewards and pay less in fees

Using your Citi Plus Debit Mastercard and Credit Card to shop, dine and play in town or around the globe, you can boost your interest rate by 0.3% p.a.2 when using either Citi Plus card!

Enjoy up to 1% cashback5 on all your local spending with your Citi Plus Debit Mastercard. If you like online shopping abroad or travelling to other countries, you can activate the Citibank Global Wallet and exchange the foreign currencies at your preferred FX rates in advance. You can then enjoy fee-free6 by debiting directly from the 12 currencies with your Citi Plus Debit Mastercard.

Citi Plus Credit Card is dedicated for Citi Plus Account Holder, which allows you to earn Points and Interest simultaneously! Simply earn Points by spending with this Credit Card, and complete Citi Interest Booster’s missions to earn Bonus Interest Rate of 0.3% p.a.2! You can enjoy 3X Points4 for online shopping and fitness memberships! If you are not a Citi Plus Account Holder yet, remember to open the account and apply for Citi Plus Credit Card in one go to enjoy the welcome offer. Just few clicks and it is completed, act now!

From now until September 30, 2023, use Citibank Global Wallet to enjoy up to 3% Cash Rebate

Note: Please ensure you have selected a foreign currency which is supported by Citibank Global Wallet as payment currency before your overseas or online transactions, so that the transactions will debit from your corresponding foreign currency accordingly.

Remarks of “3% Citibank Global Wallet Cash Rebate”
  • From now until September 30, 2023, use Citibank Global Wallet to enjoy up to 3% Cash Rebate by using Citibank Global Wallet to make eligible In-store retail purchases or Online purchases settled in foreign currencies.
  • This offer cannot be used in conjunction with the “up to 1% cash rebate for Cit Plus Debit Mastercard spending”.
  • Rebate(s) will be credited in phases to the eligible clients’ account subject to the transaction date(s). Terms and Conditions apply. Click here
Citi Plus Debit MasterCard & Citi Plus Credit Card

The fuss-free way to get
the right insurance protection

As your life changes, so will your needs: better get the right protection! Insurance is a valuable part of building a holistic financial portfolio, so Citi Plus has got you covered!

No matter what life stage you are in, we offer a comprehensive range of insurance coverage – from travel and home, through mobile phone protection, to life and medical insurance - enabling you to enjoy peace of mind.

Want to chat about your insurance needs? Visit any branch to talk with our Insurance Specialist.  

Limited-time offer : From now until September 30, 2023, complete a Financial Needs Analysis at branch to get up to HK$200 cash rebate! Terms and Conditions apply.
Citi Plus Investment Services on the Citi Mobile App

One app to do it all!

Why wait in line when you can bank anytime, anywhere.
Your everyday banking needs, like fund transfers and foreign currency exchange, are at your fingertips with the Citi Mobile® App. Need help? Connect with customer support promptly with in-app messaging. Click here to discover more about the Citi Mobile App.

Our branches will be able to support you on mortgages, personal loans, insurance and other designated services. Click here for details.
Messaging using Citi Mobile App
Payment and Transfer using Citi Mobile App
Payment & Transfer
Quick account updates in Citi Mobile App
Quick account updates

Open a Citi Plus account to level up your money and your life!

Application form for Citi Plus
Choose whether to proceed with or without a credit card
Terms and Conditions of Citi Plus
Application ID for Citi Plus
Log In page for Citi Plus Account
Application Reference Number
OTP to login to Citi Plus Account
Verification of identity to login to Citi plus Account
Updating personal details
Updating professional details
Updating Legal details
Tips to capturing and verifying HKID
Verifying your HKID
Creating username and password for Citi Plus Account
Thank you page
*Notes about account opening and address proof
Citi Plus offers banking and investment services. During this application, you will open a Citi Interest Booster account and a Currency Manager account (collectively, “banking accounts”).

Address proof is required to open an investment account. You will be asked to provide address proof during this application in order to shorten the processing time when you open an investment account at a later date. At that time, you can simply go to the ‘Wealth’ tab to open an investment account in a few steps.

If you do not need investment services and therefore do not wish to upload your address proof, you can consider opening another type of account with us. To open another type of account, please visit one of our branches.
Tips for photographing your HKID
Try to avoid direct light sources
Try to avoid direct light sources
Especially overhead lighting
Place HKID on laptop
Place your HKID on your laptop keyboard and let the screen provide lighting. Position your phone directly above your HKID.
Do not place HKID on table with phone over the card
DO NOT place your HKID on the table with your phone over the card. This can cause glare!
Align with the white frame
Align with the white frame
Keep your HKID within the white frame.
Ensure camera focus
Ensure camera focus
Tap on the area within the write frame to focus on your HKID.
Adjust angle of your phone
Adjust angle of your phone
When asked to take different angles of your HKID, keep your HKID within the white frame and slightly adjust your phone to fit the angle.
Customer guidance on completing a CRS Self-Certification Form for Individuals
Please visit for guidance on completing a CRS self-Certification From for Individuals

Important Notes on Mutual Funds

The actual number of mutual fund providers and fund options may vary from time to time subject to the Bank’s sole discretion.
The above mentioned arrangement(s) do not constitute recommendation by Citi on the mutual fund provider(s) and/or the mutual fund options.

Important Notes on Insurance

Zurich Lifestyle Insurance Plan is underwritten by Zurich Insurance Company Ltd (the "Insurance Company"). Citibank (Hong Kong) Limited, being registered with the Insurance Authority as a licensed insurance agency, acts as an appointed licensed insurance agent for the Insurance Company. Citibank (Hong Kong) Limited's role is limited to distributing insurance products of the Insurance Company only and Citibank (Hong Kong) Limited shall not be responsible for any matters in relation to the provision of the products. Insurance products are products and obligations of the Insurance Company and not of Citibank (Hong Kong) Limited. Insurance products are not bank deposits or obligations of, or guaranteed or insured by Citibank (Hong Kong) Limited, Citibank, N.A., Citigroup Inc. or any of their affiliates or subsidiaries, or any local governmental agency. All insurance applications are subject to Insurance Company's underwriting and acceptance. The Insurance Company is solely responsible for all approvals, coverage, compensations and account maintenance in connection with its insurance products.
To borrow or not to borrow?
Borrow only if you can repay!
Investment & FX trading involves risks and rates may go up or down.

^The information we ask for relating to your employment may be above local regulatory requirements but is required to fulfill our Global program obligations in allowing us to have a more adequate understanding of our customers.


  1. All offers are not applicable to existing banking clients of Citibank (Hong Kong) Limited and / or Citibank, N. A. (Citibank, N.A., organized under the laws of U.S.A. with limited liability) (“the Bank”) , including existing Citibanking or Citi Priority banking relationship whose relationship is transferred to Citi Plus banking relationship and clients who had a banking relationship with the Bank in the last 12 months.
  2. When you fulfill the requirements of all the missions and combine the bonus interest rates with your base interest rate, you will earn a total interest rate of 2.67% p.a. Terms and Conditions for Citi Interest Booster apply, please visit: click here. The interest rate of Citi Interest Booster will be determined by the Bank from time to time.
  3. You can enjoy the investment services by opening the investment accounts via the app on the ‘Wealth’ tab.
  4. Terms and Conditions for Citi Plus Credit Card - Points Accumulations and Redemption & "Purchase Protection Insurance", please visit: click here.
  5. You can enjoy 1% cashback from Citi Plus Debit Mastercard in the first 6 months, and 0.5% afterwards.
  6. Citi does not charge for overseas Citi or Mastercard network ATM withdrawals. If a customer withdraws cash at overseas Mastercard network ATM, a surcharge may be levied by the overseas ATM operator.

Important Disclaimer:

You should seek advice from your professional advisors as to your particular tax position, including but not limited to estate duty and withholding tax that might arise from investing in overseas products. This material is for information purposes only and is not intended to constitute any offer or solicitation or advice to buy or sell any security. Investments are not bank deposits and are not obligations of, guaranteed or insured by Citibank (Hong Kong) Limited, Citibank, N.A., organized under the laws of U.S.A. with limited liability, Citigroup Inc. or any of its affiliates or subsidiaries, or by any local government or insurance agency, and involve risks, including the possible loss of the principal amount invested. Share prices may go down as well as up. Investment products are not available for U.S. persons and might only be applicable to limited jurisdiction. Any person considering an investment should seek independent advice on the suitability or otherwise of the particular investment.

Terms and Conditions:

Fees & Charges:

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Rewards for everyone! Simply by opening a Citi Plus® account now and funding-in to get the chance to win HK$5,000 Klook Gift Card!
Apply Now