HK$1,600

Welcome Offer (Cash Rebate)

HK$0

First-year annual fee

N/A

All Details

• Key Features

  • 5% instant discount in HKTVmall every Thursday

  • Transactions out of HKTVmall earn points everyday and 5X points on Monday

Online Shopping

• Enjoy 5X points for non-HKTVmall spending every Monday

• Offset spending directly after payment by using Citi Pay with Points

Best Credit Cards

Welcome Offers

• From now until 31 October, upon successful application of designated Citi Credit Cards via MoneySmart and eligible spending of HK$8,000 which include at least 1 eligible transaction each month after card issuance, new customers can enjoy $1,600 cash rebate

Annual Interest Rate and Fees

Annual Principal Fee	HK$1,800
Supplementary Annual Fee	N/A
Fee Waiver	First year
Interest Free Period	Up to 58 days
Annual Interest Rate	35.51%
Late Payment Fees	HK$250
Minimum Monthly Repayment	1.5% of monthly balance + fees
Foreign Currency Transaction Fee	1.95%
Foreign Check Fee	N/A
Cash Advance Transaction Fee	4% of the cash advance amount
Overlimit Fee	HK$180

Minimum Income Requirements

Local Resident	HK$120,000

Card Association

Visa