Citigold® Debit Mastercard® A Citibank customer using her Citigold Debit Mastercard to purchase Citigold® Debit Mastercard®

Citigold® Private Client Debit Mastercard®

Your key to unlimited possibilities and priceless experiences, representing our best endeavors in catering to your discerning lifestyle and your financial needs.

Citigold Private Client represents our best endeavors in catering to your discerning lifestyle and your financial needs. With the Citigold® Private Client Debit Mastercard® , you enjoy access to a broad range of meticulously crafted privileges and priceless experiences designed to elevate your lifestyle experience with us at home or wherever in the world you may travel.

Wherever and whenever your need may arise, our 24/7 dedicated concierge service is with you to meet to your requirement. Call your Citigold® Private Client Debit Mastercard® Travel & Lifestyle Manager at +852 800901343 to enjoy the complimentary global concierge service1 offering you a range of extraordinary travel privileges and access to exclusive global events.

More details >

Recharge your spirit and reignite your soul before you fly with access to over 1,300 airport lounges2 across the world via Mastercard Travel Pass1.

Register now >

Enjoy luxury car rentals through complimentary enrolment in the Avis President’s Club, and up to 35% off standard rates1.

More details

For the greatest peace of mind, enhanced protection options1 are available to ensure your health and safety needs are addressed while traveling.

More details >

Embrace a borderless lifestyle with the absolute freedom to travel, shop and dine across the globe with your Citibank Global Wallet. Spend or withdraw cash directly from foreign currency accounts with $0 charge3 at Citibank and Mastercard network ATMs worldwide.

Activate The Function >

1% cash rebate for first 6 months

Enjoy up to 1% cash rebate for every Point-of-Sale purchase for the first 6 months, and 0.5%3 thereafter. Stay updated with your latest transactions wherever you are, with Citibank Online and Citi Mobile® App.


Exclusive Citigold® Private Client Debit Mastercard® Privileges

Gain access to exclusive social events and a host of lifestyle privileges1 tailored for you and your family.

More Privileges >

If you are currently holding a Citi ATM Card (without debit function), you can apply for a new Citigold Private Client Debit Mastercard by calling 24-hour Citigold Private Client Service Line (852)2860 8888 or visiting our branches.

ATM Card functions Debit Card functions
• Cash withdrawal • Cash withdrawal
  • Point-of-Sale debit and contactless payment
  • Online purchase
  • Spending Reward – Enjoy up to 1% cash rebate during the first 6 months
  • Dining, shopping and travel privileges
  • Exclusive Debit Mastercard privileges
  • You need to activate your Citigold Private Client Debit Mastercard within 90 days of card issuance through the Citi Mobile® App, Citibank Online, any Citibank ATM in Hong Kong or by visiting any of our branches.
  • You may need to activate the online purchase and contactless payment functions for your Citigold Private Client Debit Mastercard through the Citi Mobile® App or by calling 24-hour Citigold Private Client Service Line (852)2860 8888.

For more details on how to activate, please visit

Your Citigold Private Client Debit Mastercard will become invalid if it is not activated within 90 days. You can by call 24-hour Citigold Private Client Service Line (852)2860 8888 or visit any of our branches to request for a new Debit Mastercard. You can continue to use your existing ATM/ Citigold Private Client Debit Mastercard until the card expiry date. Your existing ATM/Debit card will be closed as soon as you activate your new card.

Yes. You must immediately sign on the back of the card upon receiving it. Your signature must be the same as the signature on record with Citibank.

Yes. You can change any of your limits through the Citi Mobile® App, Citibank Online, by visiting any of our branches. For more details on how to change your limits, please visit

The following transactions, including but not limited to, are not supported by the Citigold Private Client Debit Mastercard Debit Mastercard - recurring transactions, auto-pay, mail/fax/phone order, installment payments, overseas ATM cash withdrawals or overseas point-of-sale or online debit payment transactions with an overseas registered merchant/acquirer bank which is transacted and settled in Hong Kong dollars (e.g. Dynamic Currency Conversion).

The overseas POS transaction will usually involve currency exchange during settlement. Therefore, if you ask to reverse / refund the overseas POS transactions, the amount you receive (if any) may be less than the amount debited due to such currency exchange adjustment and/or handling fees.

You can call 24-hour Citigold Private Client Service Line (852)2860 8888 or visit any branches for enquiries.

To activate your Mastercard Travel Pass, simply follow these steps:

  1. Download the Mastercard Travel Pass app from App Store or Google Play, or visit
  2. Register your Mastercard Travel Pass membership with your Citigold® Private Client Debit Mastercard® details
  3. Get instant confirmation with clear entitlement via the Mastercard Travel Pass App
  4. Choose your preferred lounge and access the lounge via the QR code generated

To register for Mastercard Travel Pass and access the lounges, please ensure you have:

  1. Activated the online purchase function via Citi Mobile® App / Citibank Online, and
  2. Set up sufficient card-not-present limit, and
  3. Have sufficient funds in your Citi Global Wallet or USD or HKD account

You can simply turn on Citibank Global Wallet via Citi Mobile® App and enable auto top-on function for a seamless experience.

In order to activate your Mastercard Travel Pass and enjoy your complimentary access, please note that US$1 authorization transactions will be triggered and reversed within minutes.

For enquiries, you may call the 24-hour Citigold Private Client Service Line (852) 2860 8888.

Yes, please refer to the service fee listed in Mastercard Travel Pass website or mobile app.

Yes, you can speak to a Travel & Lifestyle Manager 24 hours a day, 7 days a week at +852 800901343, or you can also contact them via WhatsApp (+44 7418 370 344) and email (

Please refer to the program details and terms & conditions of the 4 times complimentary green fees in Mastercard Priceless Special website and book via You can also email to for enquiries.

Please register your Mastercard Travel Pass and select your flight no. and arrival/departure date to request the service. For details, please visit and refer to “Airport Transfer”.

Please note that your privileges, rewards, and/ or services will differ depending on your Debit Card card type.

In addition to ATM withdrawal functions, your Debit Card also allows you to sign for local and overseas purchases, perform contactless payment via Mastercard® Contactless (including through the use of digital wallets like Samsung Pay), and online purchase (collectively ,"Debit Card Transactions") which shall be paid for by directly deducting the transaction amount from your primary bank account.

Your Debit Card therefore carries the risk of unauthorized signature-based, contactless payment or card not-present transactions. Please note that the default maximum daily POS/online purchase limit for these types of Debit Card Transactions is HK$50,000 (Citi Priority and Citibanking card type) and HK$100,000 (Citigold Private Clients and Citigold card type) respectively unless revised by you. If you had previously revised your old Debit Card’s maximum daily POS/ online purchase limit, the limits under your new Debit Card will remain the same as your existing daily limits of your old card, or base on your latest Debit Mastercard / ATM card type, whichever is lower.

Although the Mastercard that you have received is a chip card it also has the magnetic stripe for overseas use. While chip technology can reduce the risks of cloning, the magnetic stripe portion of the debit card can still be cloned. As debit cards allow customers to sign off on the receipt, there is also a risk of forgery.

Some merchants allow you to make transactions below a certain value without the need to sign off on the transaction receipt. Do ask the merchant for a receipt of the transaction to ensure the correct amount is deducted. If the wrong payment amount is deducted, please contact Citibank immediately.

Your debit card details (such as name, account number, expiry date etc.) may be captured by fraudsters either through skimming or via intercepted online transactions. Fraudsters will then be able to use such information to clone a card or perform fraudulent card-not-present transactions (such as online or mail-order-telephone-order (MOTO) transactions).

However, for online purchases with merchants whose websites are enabled with the 3D Secure Technology, you will be asked to enter a One-Time Password before you can complete the transaction. This helps to protect you against online fraud and is a secure way to authenticate that you are making the purchase as the rightful owner of the debit card being used. Inform Citibank immediately if you have received a One-Time Password (OTP) but you did not make any online purchase transaction.

  • Never leave your debit card or documents containing its details lying around.
  • Sign the back of your debit card with permanent ink as soon as you receive it.
  • Change your PIN immediately upon the receipt of the PIN mailer. Memorize your PIN and destroy the PIN mailer.
  • Safeguard your card details. Do not disclose your personal identification number (PIN) for cash withdrawals to anyone.
  • Only shop at reputable and legitimate merchants (including online stores). Do not perform online transactions using shared devices such as computers in cybercafes.
  • When you make small value transactions without the need to sign off on the receipt, ask the merchant for a receipt of the transaction to ensure the correct amount is deducted.
  • Check regularly that your cards are with you.
  • Contact Citibank immediately if your card or card information is lost or stolen. Note the time and date when you do so.
  • The privileges are brought to Citigold Private Client by Mastercard. For program details and terms & conditions, please refer to the Mastercard Travel & Lifestyle Service, Mastercard Travel Pass, Priceless Specials and Priceless Mastercard webpages.
  • Airport lounge visits will be charged at the applicable rates.
  • Please refer to the terms and conditions

Your use of the Citibank ATM and Citibank Debit Mastercard is governed by the Citibank Debit Mastercard Terms and Conditions as set out in the Citibank Hong Kong Global Consumer Banking Terms and Conditions. For the Citibank ATM or Citibank Debit Mastercard Terms and Conditions, please visit。

For the details of service fee, please visit

The handling fee waiver for overseas ATM cash withdrawal is limited to the handling charge incurred by Citibank (Hong Kong) Limited and/ or Citibank, N.A.. For transactions effected in currencies other than Hong Kong dollars, the amount withdrawn will be converted into Hong Kong dollars at the prevailing exchange rate plus a conversion spread as determined by the Bank on the conversion day and debited from your account together with any charges that may be imposed by the respective ATM network provider (if any).

Illustration for Spending Reward Cash Rebate Calculation: The 1% (Citibanking clients: 0.5%) cash rebate is only applicable to Eligible Transactions posted within the 180-day period from the day after the first Debit Card is issued. For example, if the Card is issued on January 1, 2018, the 1% (Citibanking clients: 0.5%) cash rebate applies to Eligible Transactions posted from January 2, 2018 to July 1, 2018.

Terms and conditions of the spending reward cash rebate:

Citibank Debit Card, with a point-of-sale debit payment function via the card association Network (the "Card"), is only available for card-present transactions (The card must be presented to the merchant when payment is made), digital wallet, contactless and online retail purchase transaction. The following transactions, including but without limitation, are not applicable to the Card: recurring transactions, auto-pay, mail/fax/phone order and installment payments. 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 and/ or Citibank, N.A. ("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. Unless otherwise specified, the Debit Card Cash Rebate Program (the "Program") is only applicable to the Card issued by Citibank. 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, as well as unsettled transactions due to insufficient account balance in bank account. 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. Eligible Transactions (the "Eligible Transactions") only include posted transactions from point-of-sale debit payment, digital wallet, contactless and online retail purchase functions made by the Card via the card association Network. 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. 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. 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. 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. Relevant terms and conditions regarding the year-round privileges are applicable to the Card. Citibank shall not be responsible for any matters in relation to the related products and services. The respective merchant is solely responsible for all obligations and liabilities relating to such products or services and all auxiliary services. Citibank is entitled at any time and without any prior notice or liability in any form whatsoever to perform the following: terminate the Program; cancel or vary its benefits or features; vary, add to or delete any of these Terms and Conditions; and modify or limit the value of the cash rebate amount. Cardholders must keep all original merchant sales receipts and sales slips and may be required to submit the relevant receipts/sales slips for inspection upon Citibank's request. All matters and disputes will be subject to the final decision of Citibank. In the event of any discrepancy between the English and Chinese versions of these Terms and Conditions, the English version shall prevail.