Knowing you work hard and play hard everyday, Citi Plus is here to help you anytime anywhere!From financial planning & investment to spending & rewards, we help to transform your everyday to-do-list into your unique lifestyle & financial planning playlist! Fully level up your wealth and life, and you can Live a Little More!
2,500 Clubpoints
Earn up to 4.8% p.a. saving rates
extra savings rate up to 3% p.a.
for first HK$50,000 balance
What’s more, earn up to 1.8% 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.
Earn HK$200 rebate
Deposit HK$10,000
new fund to enjoy
HK$200 cash rebate

Privileges curated just for Citi Plus, applicable to New Citi Plus customers and Citi Plus customers who transfer from Citibanking or Citi Priority account.

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!
Spending Privilege
12% Rebate
at our designated partners
Spending Privilege
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®.
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
To find out more, go to
Terms and conditions apply
Earn up to HK$350 cash rebate with Referrer's Reward
Invite your friends to open Citi Plus account and Credit Card, and
your friends can earn up to HK$300 Cash Rebate
Want to learn more? go to
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 Goals will be your personal goal tracking tool to help track progress towards them
Earn up to 1.8% p.a. interest on savings by completing simple missions
It’s easy to earn more with Citi Interest Booster. Begin with 0.3% 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 1.8% p.a.2. Track your progress anytime 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 & account opening
Shop the world, enjoy more rewards and pay less in fees
Using your Citi Plus Credit Card and Debit Mastercard to shop, dine and play in town or around the globe. You’ll also boost your interest rate by 0.3% p.a.2 when using either Citi Plus card!

Exclusive in Hong Kong! 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! Your credit card spending can now integrate with your Saving Account, and enjoy 3X Points4 for online shopping and fitness memberships! You can also enjoy Welcome Offer when applying for Citi Plus Credit Card! If you are not a Citi Plus Account Holder yet, remember to select and apply for Citi Plus Credit Card too when filling in the online form. Just few clicks and it is completed, act now!

Enjoy up to 1% cashback5 on all your spending with your Citi Plus Debit Mastercard. Activate the Citibank Global Wallet for fee-free6 international shopping and ATM withdrawals. Exchange foreign currencies at your preferred rates for even better deals at checkout.
The fuss-free way to get the right protection
Your life stage is changing—and so are your needs. Better get the right protection! But if you want a plan that’s affordable and fits your needs, don’t just go to any old bank. Citi Plus has you covered.

No matter what stage you’re at, start your protection journey with AIA iEasy Protect*, which offers a range of Modular Covers@ including Term Life, Accident, Hospital Cash and Critical Illness Protection in one go with premiums as low as HK$7 a day#. Apply right from your mobile in as fast as 10 minutes, and help is always just a tap away.

Want to chat about your protection needs? Just tap “Get Insured” under the “Wealth” Tab in the ‎Citi Mobile® App, then tap “Speak with us”.

*iEasy Protect is available exclusively to selected customers.
*This page does not contain the full terms of the product and the full terms can be found in the policy contract. Please note the relevant product risks.

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.

Our branches will be able to support you on mortgages, personal loans, insurance and other designated services. Click here for details.
Payment & Transfer
Quick account updates
Sounds good to you? Open a Citi Plus account now!
Follow these simple steps to open your account*. Get your HKID and address proof* ready to start.

  1. Get your HKID and address proof* ready
  2. Download/Update the Citi Mobile®️ App and log in to the app.
  3. You will see an invitation page. Read all the information and click “Next” to start the application
  4. Follow the instructions and provide necessary information^
  5. Take a photo of HKID, address proof, your signature and take a selfie
After opening a Citi Plus account, you can apply for your Citi Plus Credit card. Just contact us via “Messaging” in the app (tap Help > Messaging). Our customer service officer will assist you.
Remember to check out the account-opening tips and FAQs below before applying!
Tips for photographing your HKID
Try to avoid direct light sources
Try to avoid direct light sources
Especially overhead lighting
Place your HKID on your laptop keyboard and let the screen provide lighting. Position your phone directly above your HKID.
DO NOT place your HKID on the table with your phone over the card. This can cause glare!
Align with the white frame
Keep your HKID within the white frame.
Ensure camera focus
Tap on the area within the write frame to focus on your HKID.
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
*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.
Remote Account Opening and other Frequently Asked Question: Click here
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
AIA iEasy Protect is a non-participating life insurance product underwritten by AIA International Limited (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. You are subject to the credit risk of the Insurance Company.
@ Modular Covers are optional benefits exclusively available under AIA iEasy Protect.

# “Premium as low as HK$7 a day" refers to the average daily premium (rounded-up) calculated based on the monthly premium for 25 years old Male, non-smoker (HK$200.60). And assume there are 30 days in each month. All premiums shown above are based on the standard premium rate and do not include any extra premiums due to loading.
To borrow or not to borrow?
Borrow only if you can repay!
^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 1.8% p.a. Terms and Conditions for Citi Interest Booster apply, please visit: click here.
  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:
  • Terms and Conditions of Citi Plus Welcome Offer for Citi The Club Credit Cardholders, please visit: click here.
  • Terms and Conditions of Citi Plus Exclusive Offer Promotion, please visit: click here.
  • Terms & Conditions of Citi Plus Bonus Saving Rate Welcome Offer, please visit: click here.
  • Terms & Conditions of Citi Plus HK$200 Cash Rebate Welcome Offer, please visit: click here.
  • Terms and Conditions for Accounts and Services, please visit: click here.
  • Policy Statement relating to the Personal Data (Privacy) Ordinance, please visit: click here.
  • Terms and Conditions for Citi Interest Booster, please visit: click here.
  • Terms and Conditions for Investment Product, please visit: click here.
  • Credit Card Agreement, please visit: click here.
Fees & Charges:
  • Citi Credit Card Key Fact Sheet and Fees schedule, please visit: click here.
  • Fee and charges for Banking / Mortgage services, please visit: click here.
Open a Citi Plus account
to level up your money and your life!