Citibank® Visa® Debit Card

One card for
cash withdrawals & purchases.

One card for cash withdrawals & purchases.

From July 1, 2018, we are replacing the existing Citibank Visa Debit / ATM chip card with the Citibank Debit Mastercard / Cirrus ATM card. New applications for the Visa Debit /ATM chip card are no longer accepted. However, you may continue to use your existing Visa Debit / ATM card until it expires.



Citibank Visa Debit Card is more than just an ATM card. You can now make purchases at any Visa merchant and earn up to 1% cash rebate.

Cash withdrawal Purchases
  • New chip technology makes ATM transactions safer
  • Withdraw cash free of charge at over 20,000 Citi ATMs worldwide.
  • No overseas ATM withdrawal fees1
  • Earn up to 1% cash rebate at any Visa merchants throughout the year
  • Enjoy Citibank's year-round offers across Hong Kong
  • Instant SMS alerts are sent to your phone for each transaction of HK$500 or more
  • Purchases are debited directly from your account - it's hassle free
Rewards Everywhere
1% cash rebate during the first 6 months

Cash in on our most flexible rebate program

  • No cap on rebate earning - On all purchases at Visa merchants, the cash rebate is 1% for the first 6 months and 0.5% thereafter 2
  • No date restriction - Earn rebates 365 days a year
  • No merchant limitation - Rebates on all day-to-day purchases like coffee and movie tickets

Year-round Privileges

With the ATM card with Visa purchase function, you can also enjoy the Citibank® enticing year-round offers, Citibank® world privileges, as well as Visa Platinum merchant privileges.

Sign & Go

As well as being more rewarding, the new Citibank® ATM card is more convenient too, in Hong Kong and around the world.


Look for Visa logo

Accepted at 30,000,000 merchants displaying the Visa logo around the world

Sign to confirm

It's convenient

Track your transactions

All transactions and the total cash rebate are shown on your monthly statement

Daily Limit for POS Transcation:

HK$50,000 for Citi Priority® and Citibanking® and HK$100,000 for Citigold® and Citigold Private Client®.

Secure & Control
  • Payments are debited directly from your bank account, so you do not have to worry about late repayment.
  • Instant SMS alerts are sent to your phone for each transaction of HK$500 or more.

Instant SMS alerts are sent to your phone for each transaction of HK$500 or more.

  • Renminbi Services
  • e-Statement


Applicable to overseas cash withdrawal from Citibank and non-Citibank ATMs by clients of Citibank (Hong Kong) Limited. Waiver limited to handling charge incurred by Citibank (Hong Kong) Limited.
Illustration for Cash Rebate Calculation: The 1% cash rebate is only applicable to Eligible Transactions posted within the 180-day period from the day after the first Card is issued. For example, if the Card is issued on January 2, 2016, the 1% cash rebate applies to Eligible Transactions posted from January 3, 2016 to July 2, 2016.

For details of the service fees, please visit

General Terms and Conditions:General Terms and Conditions:

  1. Citibank ATM Card, with a point-of-sale debit payment function via the Visa Network (the "Card"), is only available for card-present transactions. The Card must be presented to the merchant when payment is made. The following transactions, including but without limitation, are not applicable to the Card: recurring transactions, auto-pay, mail/fax/phone/online order and installment payments.
  2. The payment amount will be directly debited from a HKD savings/checking account (the "Bank Account") linked to the Card. The Cardholder must ensure there is sufficient balance in the Banking Account for the settlement of the total payment amount. Citibank (Hong Kong) Limited ("Citibank") reserves the right to reject the transaction or debit the Bank Account to a negative balance if there are insufficient funds in the Bank Account to settle the payment.
  3. Unless otherwise specified, the Citibank ATM Card Cash Rebate Program (the "Program") is applicable to the Card issued by Citibank.
  4. During the Program, cardholders will earn designated cash rebates for Eligible Transactions (as defined in Clause 5 below) made by the Card within a certain period. The cash rebate amount will be calculated by multiplying the single net Eligible Transaction amount in Hong Kong dollars by the respective rebate percentage. The cash rebate is not applicable to transactions, including without limitation to payment to the Inland Revenue Department, casino transactions, transactions without sales slips, other unauthorized transactions and unposted/cancelled/refunded transactions. Citibank reserves the right to change the rebate ratio and the criteria for Eligible Transactions at any time and without prior notice. The decision of Citibank as to what constitutes an Eligible Transaction shall be final and conclusive.
  5. Eligible Transactions (the "Eligible Transactions") only include posted transactions from point-of-sale debit payment functions made by the Card via the Visa Network.
  6. To enjoy the cash rebate, the relevant Card and the Bank Account must be valid (meaning not cancelled or terminated) and are regarded as being in good standing by Citibank.
  7. If transactions are confirmed to qualify for a cash rebate after verification by Citibank at its sole and absolute discretion, the corresponding cash rebate will be automatically credited to the Bank Account and shown in the next monthly statement. Until it is credited to the Account, it is not transferrable and cannot be converted to cash.
  8. Should any transaction in the monthly statement be cancelled or refunded for whatever reason, the cash rebate earned in respect of those transactions will be deducted or cancelled from the Bank Account.
  9. Fraud and abuse will result in forfeiture of a cardholder's eligibility to participate in this Program. Citibank reserves the right to withdraw the equivalent value of the cash rebate directly from a cardholder's Bank Account without prior notice.