HK$120,000

Minimum Income Requirements

0.5% Cashback

Rewards on local spend

First-Year

Annual Fee Waiver

All Details

• Key Features

  • Enjoy 15% rebate on bus, railway, green minibus, ferry, tram and extra 5% rebate for tunnels tolls & parking fees

  • Extra 5% rebate for tunnels tolls & parking fees upon spending of HK$10000 of all Citi credit card per month.

  • HK$200 spending = HK$1 Octopus cash rebate

  • 2-in-1 credit card with Octopus service

  • Enjoy full rebate on the interest charges in the first two statement cycles New Customers can enjoy 100% Cash Rebate on the finance charges from Retail & Cash Advance transactions posted to the first 2 months' statements upon card approval date. Cash Rebate will be capped at HK$1,000 for each customer in the entire promotion. No registration is required.

  • Add Citi Octopus on iPhone/Apple Watch to earn a limited-time offer of HK$100 Octopus Top-up Value

  • Add a Citi Octopus on iPhone using the Octopus App from now until 30 Jun 2024, to get $150 Octopus Top-up Value.

Bill Payment

• Earn up to HK$1,100 Spending Rebate by using Citi PayAll wisely to settle payments with credit cards

• Details please refer to here

Annual Fee Waiver

• First-year annual fee waiver (HK$1,800)

• Cardholders can request an annual fee waiver every year onwards through customer service hotline

Octopus Card AAVS

• Earn HK$1 Octopus cash rebate for every HK$200 spending

• Enjoy 15% rebate on bus, railway, green minibus, ferry, tram upon spending of HK$3,000 of all Citi credit card per month.

• Extra 5% rebate for tunnels, car parks & parking meters upon spending of HK$10000 of all Citi credit card per month.

• 2-in-1 credit card with Octopus function

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

Cash Back

• 0.5% cash back

• Enjoy 15% rebate on bus, railway, green minibus, ferry, tram and extra 5% rebate for tunnels tolls & parking fees upon spending of HK$3,000 of all Citi credit card per month.

Best Credit Cards

• HK$200 spending = HK$1 Octopus cash rebate

• Enjoy 15% rebate on bus, railway, green minibus, ferry, tram upon spending of HK$3,000 of all Citi credit card per month.

• Extra 5% rebate for tunnels, car parks & parking meters upon spending of HK$10000 of all Citi credit card per month.

Annual Interest Rate and Fees

Annual Principal Fee	HK$1,800
Supplementary Annual Fee	N/A
Fee Waiver
Interest Free Period	58 days
Annual Interest Rate	N/A
Late Payment Fees	Minimum payment due or HK$250 (whichever is lower)
Minimum Monthly Repayment	1.5% of statement balance + fees. For more info, view T&C
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