Rewards Credit Card
Citi

Rewards Credit Card Calculator

Best for: Shoppers and entertainment enthusiasts who spend HK$10,000-15,000 monthly on clothing, department stores, and entertainment

View official details
Monthly Cashback HKD 0
Effective Rate 0.00%
Shopping 7.1x points on department stores, clothing & accessories
HKD
7.1% HKD 0
Entertainment 7.1x points on cinema, theater, digital entertainment & amusement parks
HKD
7.1% HKD 0
Other Spending (Local Mobile Wallet) 1.7x points on Apple Pay, Google Pay & Samsung Pay at other merchants
HKD
1.7% HKD 0
Other Spending 1x points on all other transactions
HKD
1.0% HKD 0
Calculator based on official terms Rates may change. Always verify with your bank before applying.
View Official Terms

The Citi Rewards Card offers 7.1X ThankYou Points on shopping (department stores, clothing, accessories) and entertainment (cinema, theater, streaming, amusement parks), with 1.7X on mobile wallet payments and 1X on other spending. Points can be redeemed for cash (170 points = HK$1) or miles (15 points = 1 mile). Note the monthly cap of 113,400 bonus points shared across all boosted categories.

Advantages

  • 7.1X points on shopping and entertainment categories
  • 1.7X points on mobile wallet payments (Apple Pay, Google Pay)
  • Flexible redemption: cash or miles
  • No annual fee (first year)
  • MCC-based categories are clearly defined

Considerations

  • 113,400 monthly bonus points cap (shared across categories)
  • Only 1X on dining, groceries, and general spending
  • Points expire after 2 years
  • 15 points per mile is not the best conversion rate
Annual Fee: HK$1800 Min. Income: HK$120000/year