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Citi Cash Back Card: Review and Fees

Earn automatic cash rebates and enjoy a wide array of ongoing promotions with this card.

The Citi Cash Back Card has one of the most eye-catching cash rebate offers on the market, promising to provide automatic cash rebates . Local spending will earn you 1% in cash rebates, which is a pretty sweet deal. In addition to that, you get to enjoy a multitude of other lifestyle perks and exclusive promotions with Citi World Privileges.

HK$0 annual fee for the first year. HK$1,800 thereafter.

Annual Fee


Cashback Rate Local


Cashback Rate Overseas


Minimum Annual Income

Benefits of using the Citi Cash Back Card

Here are some of the features that come with the Citi Cash Back Card:

  • Cash rebates. Earn 2% cash rebates on eligible global dining, hotel and other foreign currency spending, 1% cash rebate on local spend. There’s no qualifying spend or cap on the cash rebates.
  • Welcome offer. Receive HK$800 Wellcome Coupons Or HK$700 Cash Rebate when you spend a minimum of HK$10,000 in the first two months of card activation. Valid till 30 June 2021.

Features of the Citi Cash Back Card

The Citi Cash Back Card provides the following features:

  • Annual fee. The annual fee for the primary card is HK$1,800 and HK$900 for every supplementary card. The annual fee will be automatically waived if you spend HK$100,000 or more on the card every year before the annual fee renewal month.
  • Dining, lifestyle and travel perks. Citi World Privileges opens doors to both local and overseas dining, travel and shopping deals, helping you make the most out of your dollar.
  • Visa Signature privileges. Gain access to Visa Signature’s perks and exclusive experiences, such as airport limousine pick-up services, shopping discounts and preferential treatment at Visa partner merchants.
  • Contactless payments. You can make fast and hassle-free payments at Visa payWave terminals with contactless technology. No signature is required for purchases under HK$1,000.
  • Purchase protection insurance. You can shop with peace of mind as purchases made anywhere in the world with your Citi Cash Back Card are automatically insured against any damages, loss or theft for up to US$7,600 within 30 days of purchase.

How to apply for the Citi Cash Back Card

You can apply for the Citi Cash Back Card online in under 10 minutes. To get started, make sure you meet the eligibility criteria and have the required documents and details on hand for a quick application process.

Eligibility criteria

  • Earn at least HK$240,000 p.a.
  • Have a good credit rating
  • Be at least 18 years or older
  • Hong Kong resident or expat with a valid working visa

Required documents

The Citi Cash Back Card could offer lots of potential savings if you spend on dining and travel frequently. Otherwise, the high annual fee may negate any savings earned from the cash rebates and end up costing you more. To make sure you’re applying for the right card for you, take some time to compare your options before you make your decision.

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