Every referral brings rewards to both parties!
Referrers aren’t the only ones who win — referees who successfully apply for designated Citi Credit Cards with unique referral code on or before February 2, 2026* and meet designated reward conditions will enjoy fabulous welcome rewards^ of up to 360,000 Points~!
* Referees must have their designated Citi Credit Cards approved on or before March 2, 2026. A Referee who currently holds, has cancelled or has held any principal card of Citi Credit Card issued by Citibank within the past 12 months from the month of application for the Designated Card will not be counted as successful referral, both Referee and Referrer will not be eligible for the corresponding Referee’s and Referrer’s reward.
^ Each referee is entitled to one welcome reward only. Applicants of Citi Prestige Card must pay the first-year annual fee of HK$3,800 to get 360,000 points.
~ Referees must apply with unique referral code and fulfill designated reward conditions.
^ Each referee is entitled to one welcome reward only. Applicants of Citi Prestige Card must pay the first-year annual fee of HK$3,800 to get 360,000 points.
~ Referees must apply with unique referral code and fulfill designated reward conditions.
Apply with your friend’s unique referral code
1
Copy your friend’s unique referral code2
Go to 
and applyDon’t forget to enter your friend’s unique referral code before starting the application!
To borrow or not to borrow?
Borrow only if you can repay!
Borrow only if you can repay!
# Referees must meet the designated reward conditions in order to be entitled to the welcome reward.
▲ According to the current conversion rate, customer may redeem 30,000 Miles for 360,000 Points. The conversion rate is subject to changes from time to time without prior notice.
* According to the current conversion rate, customer may redeem 20,000 Miles for 240,000 Points. The conversion rate is subject to changes from time to time without prior notice.
** The values of Clubpoints referred to above are calculated based on Clubpoint Conversion Ratio appearing on the “Spend Less with Clubpoint” function on the Club Shopping Platform and redemption of HKT and Club Shopping e-Cash Voucher, which is currently 5 Clubpoints = HK$1. 5,000 Clubpoints are equivalent to HK$1,000 value. The relevant redemption rate is subject to changes from time to time without prior notice.
> Terms and Conditions
▲ According to the current conversion rate, customer may redeem 30,000 Miles for 360,000 Points. The conversion rate is subject to changes from time to time without prior notice.
* According to the current conversion rate, customer may redeem 20,000 Miles for 240,000 Points. The conversion rate is subject to changes from time to time without prior notice.
** The values of Clubpoints referred to above are calculated based on Clubpoint Conversion Ratio appearing on the “Spend Less with Clubpoint” function on the Club Shopping Platform and redemption of HKT and Club Shopping e-Cash Voucher, which is currently 5 Clubpoints = HK$1. 5,000 Clubpoints are equivalent to HK$1,000 value. The relevant redemption rate is subject to changes from time to time without prior notice.
> Terms and Conditions