Citi Credit Card Customers can now unlock referral rewards effortlessly — for a limited time only!
From now till February 2, 2026, refer your friends to apply for designated Citi Credit Cards* online and activate their cards successfully to earn up to HK$7,500 Cash Rebate+. The more besties you invite, the more rewards you’ll receive!
And your friends? They’ll enjoy fabulous welcome rewards upon meeting the eligible spending amount^!
* Referees must have their designated Citi Credit Cards approved successfully 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.
+ Referrers can refer up to 10 friends and earn up to HK$7,500 Cash Rebate during the promotion period. The Cash Rebate of the Referrer’s Reward will be credited to the corresponding Citi Credit Card accounts respectively by August 31, 2026.
^ 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.
+ Referrers can refer up to 10 friends and earn up to HK$7,500 Cash Rebate during the promotion period. The Cash Rebate of the Referrer’s Reward will be credited to the corresponding Citi Credit Card accounts respectively by August 31, 2026.
^ 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.
Example of Referrer’s Reward
~ Referees must apply via the unique referral link and fulfill designated reward conditions.
Refer your friends NOW
1
Acquire and share your
referral link to your friends
referral link to your friends
2
Your friends apply for designated
Citi Credit Cards via your referral link
Citi Credit Cards via your referral link
Tip: If you lose your referral link, you can enter the information again to get a new one.
Please ensure all information input is correct, otherwise we will not be able to check your referral status and grant the referral reward.
Please ensure all information input is correct, otherwise we will not be able to check your referral status and grant the referral reward.
Enter your information registered with your Citi account
Share NOW 
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.
▲ 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.