Citi

Cashback Credit Card Calculator

Best for: Frequent diners and travelers who want uncapped 2% cashback on dining, hotels, and overseas transactions

View official details

Monthly Cashback HKD 0

Effective Rate 0.00%

Local Dining 2% cashback on local dining

HKD

2.0% HKD 0

Local Hotels 2% cashback on local hotel spending

HKD

2.0% HKD 0

Foreign Currency Spending 2% cashback on foreign currency transactions

HKD

2.0% HKD 0

Other Eligible Spending 1% basic rebate on other eligible transactions

HKD

1.0% HKD 0

Eligibility, category rules and exclusions

The 2% category rates include the 1% basic rebate and apply only to eligible posted transactions.

2% category rules

Local Dining means eligible transactions posted in HKD at Hong Kong restaurants or dining merchants. Hotel dining, banquets, private events, department stores, associations and club houses do not qualify for 2% dining rebate.
Local Hotels means eligible transactions posted in HKD at Hong Kong merchants classified as hotels. Banquets, private functions and private room events do not qualify for 2% hotel rebate.
Eligible transactions posted in a foreign currency earn 2%, except card-present transactions at physical merchants in the UK or EEA, which earn only the 1% basic rebate.
Eligible online foreign-currency transactions at UK or EEA merchants can still earn 2% when classified as online by the card network or acquiring bank.

Rebate calculation and crediting

Eligible interest-free instalment purchases earn the 1% basic rebate on each monthly instalment amount billed to the card account.
Principal and supplementary card transactions under the same account are combined, with supplementary-card rebate attributed to the principal cardholder.
The calculated rebate is rounded to the nearest cent.
The full accumulated rebate is credited on the following statement once the rebate balance reaches HKD 200.

Not eligible for cash rebate

FPS transactions, cash advances and amounts under balance transfer, Cash Conversion, FlexiBill, PayLite or Quick Cash instalment programmes.
Tax payments, online bill or utility payments through internet banking or online payment systems, and insurance transactions.
Charity donations or transactions with non-profit organisations, based on the assigned merchant code.
Mutual-fund payments, fees and charges, and casino transactions.
Unposted, cancelled, refunded, unauthorised, fraudulent or abusive transactions.

The Citi Cash Back Card offers an uncapped 2% rebate on eligible HKD dining and hotel transactions in Hong Kong, plus most eligible transactions posted in foreign currencies. Other eligible transactions earn the 1% basic rebate. In-person foreign-currency spending at physical merchants in the UK or EEA earns only 1%, while eligible online foreign-currency transactions at those merchants can still earn 2%.

Advantages

2% cashback on local dining (no cap)
2% cashback on local hotels (no cap)
2% cashback on overseas spending (no cap)
1% cashback on all other local spending
No minimum spend requirement

Considerations

Only 1% on non-bonus categories
In-person foreign-currency spending at UK or EEA physical merchants earns only 1%
Annual fee after first year
No online shopping bonus category

Annual Fee: HK$1800 Min. Income: HK$120000/year