Citi Rewards Card
Data last updated 27 October 2026
60.00%
Purchase rate
HK$0
Annual fee
58 days
Interest-free
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CardIQ
28Basic
Basic
Overall score, out of 100 · How this works
- No annual fee28
- Rewards32
- Sign-up bonus25
Customer reviews
No reviews yet. Be the first to review the Citi Rewards Card.
Pros & cons
What's good
- No annual fee.
- Earns 3 points per HK$1 on bonus categories.
Worth noting
- The annual fee increases from HK$0 to HK$1,800 in the second year.
- The 60% p.a. purchase rate sits in the most expensive quarter of cards (the median is 32% p.a.) if you carry a balance.
- Earns 1 point per HK$1 on everyday spend, around the dataset average.
- Requires a minimum income of HK$120,000 a year.
Card details
The basics
- Additional cardholder fee
- HK$900 p.a.
- Card tier
- Platinum
- Card type
- Not published
- Card use
- Personal
- Credit limit
- Not published
- Credit rating
- Not published
- Rewards program
- Citi ThankYou Rewards
Eligibility
- Instant approval
- Not published
- Joint application
- Not published
- Minimum age
- 18 years old
- Minimum income
- HK$120,000 p.a.
- Residency
- HKID holder (applicable to Citi Rewards UnionPay Card only)
- Temporary residents
- Not published
Rates & fees
Ongoing interest rates
- Cash advances
- Undisclosed
- Purchases
- 60.00% p.a.
Fees
- Additional cardholder fee
- HK$900
- Annual fee
- No annual fee
- Annual fee (year 2+)
- HK$1,800 p.a.
- Cash advance fee
- —
- Foreign transaction fee
- 1.95%
- Late payment fee
- HK$300
- Over limit fee
- HK$180
Repayments
- Interest-free period
- Up to 58 days on purchases
- Minimum repayment
- a. The total of all the current month's interest, annual fee, late charge, past due amount, other fees and charges if any; and b. 1.5% of the statement balance (excluding item a, where applicable); and c. 1.5% of the unbilled principal of the Loan (where applicable)
Balance transfers
This card has no promotional balance transfer offer.
Introductory purchase offer
This card has no introductory purchase rate offer.
Rewards
Earn rate
- Everyday spend
- 1 pt per HK$1
- Bonus categories
- 3 pts per HK$1 in bonus categories
- Other purchases
- None
- Overseas spend
- None
- Reduced rate above monthly cap
- None
- Points cap
- Uncapped
- Points expiry
- —
Sign-up bonus
- Bonus spend required
- —
- Sign-up bonus
- —
Where this card sits vs similar cards
Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.
FeatureThis cardWhere it ranks
Interest-free days58 daysTop 25% (8th of 40 cards)
Overseas fee1.95%Top 25% (10th of 40 cards)
Rewards valueHK$270 a yearBetter than most (7th of 18 cards)
Annual feeHK$1,800 a yearMiddle of the market (24th of 40 cards)
Purchase rate60.00%Among the weakest we track (40th of 40 cards)
Data as at October 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.
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Questions and answers
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Sources
- Credit Card Compare
- Credit card statistics for Hong KongHow CardIQ scores cards
- Issuer
- Citi