GoBear is now part of Finder

Citi Rewards Credit Card Review: Rates and Fees

Get 5X the reward points all year round at supermarkets, departmental stores and telco providers in Hong Kong.

With up to 5X the reward points (and 8X the points during your birthday month) for daily expenses at local supermarkets, departmental stores and even telco providers, you can earn a heap of reward points with the Citi Rewards card to offset your next purchase.

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 Rewards card

When you shop using the Citi Rewards card, you get to receive a number of unique benefits:

  • Reward points. All eligible transactions will earn you 1 point for every HK$1 spent, with no maximum cap. Your points never expire, so you can accumulate them to redeem your dream reward anytime from any redemption hotspots or online.
  • Up to 8X the rewards. Earn 5X points for every HK$1 charged to your Citi Rewards card. Earn accelerate points during your birthday month – up to 8X points for every dollar spent on purchases at supermarkets, department stores and telecom providers in Hong Kong.
  • Welcome gift. Get up to 25X Points (250,000 Points = HK$1,000 Cash Rebate). Valid till 30 June 2021. T&Cs apply.

Citi Rewards card features

Some of the main features of this card include the following:

  • Annual fee. Citi Rewards will waive the annual fee for the first year. For subsequent years, you’ll need to pay an annual fee of HK$1,800 for the primary card and HK$900 for every supplementary card.
  • Hong Kong International Airport lounge access. Spend HK$12,000 in two succeeding months and get up to 3 times complimentary airport lounge access which has more than 130 designated LoungeKey airport lounges in the Greater China in Chinese Mainland, Hong Kong, Macao and Taiwan.
  • Redemption flexibility. Depending on your needs and preferences, you can redeem your reward points at any redemption hotspot or online anytime. The points never expire, so you can take your time accumulating them for your dream rewards.
  • Citi World Privileges. Indulge yourself with special offers at Citi World Privileges’ partner merchants. You can also get travel deals such as airfare sales, accommodation, car rentals and other travel discounts to help you save while travelling in style.
  • Contactless payment technology. You can use the card for secure and convenient tap-and-go payments at Visa payWave terminals with contactless technology.

How to apply for the Citi Rewards card

If you have compared your options and decided to apply, you can proceed by completing an online application. Before you apply, make sure you meet the following eligibility requirements.

Eligibility criteria

  • Be at least 18 years or older
  • Earn at least HK$150,000 p.a.
  • Have a good credit rating

Required documents

To ensure the application process goes smoothly, have the following information handy:

If you’re looking forward to earning and redeeming reward points from daily expenses, getting the Citi Rewards card could be an option to consider. Given that there are other credit cards that offer similar features, be sure you compare a variety of other rewards cards to help you find one that suits your circumstances and needs.

Ask an expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked
Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms and Privacy Policy.
Go to site