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Citi Cash Back Card

Citi Cash Back Card

Citi Cash Back Card

Citi Cash Back Card

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2% foreign currency rebate
Citi Cash Back Card is a cash rebate card, offering 2% rebate for dining in hotels and restaurants, plus 1% for other local spending. Besides, bind this card with e-wallets such as PayMe, AlipayHK, and WeChat Pay to earn 1% rebate. With this card, cardholders can earn rebates at no cost with e-wallets.
First Year Annual Fee Waiver
Annual Fee
Unlimited 2%
Rebate on Overseas Spending & Local Dining
Unlimited 1%
Rebate on Local Spending
MoneySmart Exclusive

【🎆 New Year Exclusive: Up to HK$3,999 Rewards - only until 9 Jan!】
From now until 31 January 2025, New Customers who successfully applied for a designated Citi credit card via MoneySmart with an eligible spending of HK$4,000 after card issuance, can enjoy one of the exclusive rewards:
・[⚡️Limited-time Upgrade Offer!] HK$1,800 Apple Store Gift Card / PARKnSHOP Supermarket Voucher or
・🆕 BERMAS 26" Front-open Suitcase (Value: HK$3,999) or
・Bowers & Wilkins Pi7 S2 In-ear True Wireless earbuds (Value: HK$3,380) or
・De'Longhi ECOV311 Icona Vintage Series Pump-driven Espresso Coffee Machine (Value: HK$3,288) or
・YA-MAN HRF-10T RF Beauté Photo PLUS (Value: HK$3,180)!
⠀⠀
🎁 New Year Luck Takes Off: 【Guaranteed Cash Laisee + A Chance to Win Flight Tickets! 】
From now until 28 Jan, customers who successfully applied for a designated credit card via MoneySmart, get approved and answer the required question to enjoy an additional HK$88 cash! The most creative answers can win the Round-trip Air Ticket from Hong Kong to Tokyo/ Bangkok for two person on Hong Kong Airlines and more gifts! Click here for promotion details.

Valid until 28 Jan 2025 - See more details below

Are you eligible?

    • You are a new to bank Citi credit card holder

    • Apply for a designated Citi credit card through MoneySmart and the application is approved on or before 2 March 2025

    • Must perform accumulated transactions of HK$4,000 within 30 days of card issuance

    • Please note: Before the application through MoneySmart, please first Turn off the ad block； Clear the cookies； Don't use "incognito mode"； Turn off prevent cross-site tracking (Safari users) or Turn off "do not track function" (Chrome users)

What you need to know

  1. 【🎁Guaranteed Cash Laisee + A Chance to Win Flight Tickets! 】
    To qualify the additional gift, eligible customers should successfully apply for the designated credit card and get approved, submit a creative answer to the required question: “Share which credit card you use and how you spend to maximize your earnings” (limited to 300 words) on the activity page during the Promotion Period. Complete and submit the redemption form after logging in to MoneySmart on or before 28 February 2025, along with the valid application reference number provided by the bank/ financial institution and the phone number that is linked to your bank account for receiving funds via FPS.
    ⠀⠀
    🌟Eligible Customers whose answers are selected by MoneySmart as the most creative will receive the Upgraded Gifts below:
    ・1st Prize (1 winner): Round-trip Air Ticket from Hong Kong to Tokyo for two person on Hong Kong Airlines
    ・2nd Prize (1 winner): Round-trip Air Ticket from Hong Kong to Bangkok for two person on Hong Kong Airlines
    ・3rd Prize (5 winners): Round-trip Air Ticket from Hong Kong to Taipei for one person on Starlux Airlines
    ・4th Prize (10 winners): gimes II 20" Foldable & Expandable Luggage (Value: HK$1,399)
    *The above offer is subject to Terms and Conditions, please click here for details.

  2. The “Qualifying Period” will be from 3 January 2025 to 9 January 2025

  3. Apply for a designated Citi credit card through MoneySmart (Citi Cash Back / Citi PremierMiles/ Citi Rewards Mastercard / Citi Rewards UnionPay )

  4. Customers must complete and submit the redemption form after logging in to MoneySmart on or before 28 February, 2025

  5. All students' credit cards are not applicable to current MoneySmart exclusive promotion. New Customers who are full time students of degree / diploma program of a Hong Kong Tertiary Institution will only be entitled to designated welcome offer for students.

T&Cs
FAQ
Claim Form

Quick Facts

Get the maximum value by

focusing on dining and hotel spending category

Good for

frequent hotel diners who don't want to remember specific spending categories

Categories to maximise this card

local dining, hotel and foreign currency spending

What people use it for

local dining, hotel and foreign currency spending and digital wallet top-up

Get if

you are a frequent diner at hotels but don't want to remember the specific spending categories for the highest rebates

All Details

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Disclaimer: At MoneySmart.hk, we strive to keep our information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. For any discrepancy in product information, please refer to the financial institution’s website for the most updated version. All financial products and services are presented without warranty. Additionally, this site may be compensated through third party advertisers. However, the results of our comparison tools which are not marked as sponsored are always based on objective analysis first.

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Citi Cash Back Card Key Features

FeaturesCiti Cash Back Credit Card
Min. Annual SalaryHK$120,000
Annual FeeHK$1,800 (First-year annual fee waiver)
Cash Rebate Rate
  • Local Spending: 2%
  • Overseas Spending: 2%

Citi Cash Back Card Pros and Cons

Citi Cash Back Card Pros

With Citi Cash Back Card, you can enjoy unlimited 2% rebate for local dining, hotel spending and overseas transactions. What’s more, you can also enjoy earning welcome reward on e-wallet as it offers 1% rebate on e-wallet transaction (PayMe, WeChat Pay, AliPay and Octopus).

Citi Cash Back Card Pros Cons

Citi Cash Back only offers cash rebates but not Miles. Also, you only get 1% cash rebate on other eligible spending in local currency other than local dining and hotel spending, which is not particularly attractive.

Citi Cash Back Mastercard Welcome Offers

Items Citi Cash Back Mastercard Welcome Offers Details
Welcome Offers
  • Coca-Cola Air Fryer OR
  • HK$700 Cash Rebate OR
  • HK$800 Genki Sushi Gift Voucher
Reward Conditions Accumulate spending of HK$8,000 or more within the first 2 months from the date of card issuance
Promotion Period From now until 31st October, 2021

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Citi Cash Back Rebate Rate

Payment MethodRebate Rate
Payme1%
Overseas Transactions2%
Octopus AAVS1%

Citi Cash Back Card vs Other Cashback Cards

Cash Back Card Rebate Local Spending Overseas Spending Dining
Citi Cash Back 2% 2% 2%
Standard Chartered Smart Card 5%* / /
WeWa UnionPay Card 4% / /
*Eligible transactions made at selected merchants can earn HK$1 for every HK$20 spending (5% cash rebate).

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Citi Cash Back vs Citi Rewards Card

Both Citi Cash Back and Citi Rewards Card have a minimum salary requirement of HK$120,000. With Citi Rewards Card, cardholders can earn points that never expire and redeem the points for designated cash coupons, movie tickets and air miles at Citi ThankYou Rewards online or you can choose to offset your spending anytime.

Both Cards offer up to 2% cash rebate but conditions apply. For Citi Rewards, it only applies to contactless transactions(Apple Pay/Google Pay/Samsung Pay/PayPass/) without spending categories limitation. With Citi Cash Back, it only applies to local dining, hotel spending and overseas transactions.

Citi Rewards Card doesn’t offer cash rebates for foreign transactions. If you are a frequent traveler using credit cards for your overseas transactions, Citi Cash Back Card is a better option.

Citi Cash Back vs Standard Chartered Simply Cash Card

Citi Cash Back and Standard Chartered Simply Cash Card also offer unlimited 2% cash back on overseas spend. However, Standard Chartered Simply Cash Card offers a higher rebate rate of 1.5% (VS 1%) for local spend, including online shopping and Octopus AAVS. What’s more, Simply Cash Card Cardholders can enjoy an annual fee waiver if you are a Payroll account client, Priority Banking, Premium Banking clients meeting the relevant minimum balance requirement.

Citi Cash Back Ineligible Transactions include:

  1. Cash advances, fees and charges, withdrawal amount under the Balance Transfer Program, Cash Conversion Program, Citi Credit Card "Quick Cash" Installment Program, “FlexiBill” Installment Program, “PayLite” Installment Program, payment to the Inland Revenue Department
  2. Casino transactions
  3. Online bill payment, dynamic currency conversion transactions, transactions through Faster Payment System (FPS) Service, and unposted/canceled/refunded transactions

FAQ

What is the annual fee of Citi Cash Back Card? Can it be waived?

The annual fee of Citi Cash Back Card is HK$1,800 and you can enjoy the first-year waiver. You can also get your annual fee waived by applying an annual fee waiver request through Citibank hotline at 2860 0333.

Can students apply for Citi Cash Back Card?

No. But students can apply for Citi Rewards Card or Citi Octopus Platinum Card.

Is there any overseas handling fee for overseas transactions if I use Citi Cash Back Card overseas?

Yes, you will be charged overseas handling fee which is 1.95% for every foreign currency transaction.