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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 8.1X total points on qualifying shopping
HKD
8.1% HKD 0
Entertainment 8.1X total points on qualifying entertainment
HKD
8.1% HKD 0
Other Spending (Local Mobile Wallet) 2.7X total points on eligible local mobile payments
HKD
2.7% HKD 0
Other Spending 1x points on all other transactions
HKD
1.0% HKD 0
Eligibility, category rules and exclusions

The headline multipliers include the basic 1X point and apply only to qualifying transactions.

Shopping, entertainment and mobile-payment rules

  • 8.1X Shopping is based on assigned merchant codes covering department stores, apparel and accessories, shoes, watches and jewellery, leather goods and luggage, cosmetics and selected specialty retail.
  • 8.1X Entertainment covers selected merchant codes for pay television, digital audiovisual media, games and software, cinemas, theatres and ticket agencies, and amusement parks.
  • 2.7X Mobile Payments applies to eligible HKD retail transactions made in Hong Kong through Apple Pay, Google Pay or Samsung Pay at merchants outside the 8.1X categories.
  • A mobile payment that also qualifies as Shopping or Entertainment earns 8.1X in total; the extra-point programs do not stack.

Points cap, timing and redemption

  • The Shopping, Entertainment and Mobile Payments programs share a cap of 113,400 extra points per card account per statement cycle. The basic 1X continues after the cap.
  • Extra points are credited within three months after the transaction is posted. Points earned under the base program do not expire.
  • Principal and supplementary card transactions under the same account are combined under the principal cardholder’s account.
  • Citi rounds the points calculated for each eligible transaction to the nearest whole point. Aggregated calculator estimates may differ slightly from transaction-by-transaction rounding.
  • Current reference values are 270 points per HKD 1 cash rebate or 15 points per mile. Points Transfer has a HKD 200 fee and a minimum 18,000-point conversion unit for Citi Rewards Card.

Not eligible for points or extra points

  • Cash advances, fees and charges, and amounts under balance transfer, Cash Conversion, Quick Cash, FlexiBill or PayLite instalment programmes.
  • Tax payments, casino transactions, FPS transactions, online bill or utility payments, insurance transactions, charity donations and transactions with non-profit organisations.
  • Unposted, cancelled or refunded transactions.
  • Octopus Add Value Service transactions, mutual-fund payments, unauthorised transactions, fraud and abuse do not qualify for the extra-point programs.
Calculator verified: 30 Jul 2026 Rates may change over time, and bank may not have same interpretation as us. Always verify with bank before applying.
View Official Terms

The Citi Rewards Card offers 8.1X total ThankYou Points on qualifying Shopping and Entertainment merchant codes, 2.7X total points on eligible HKD mobile payments made in Hong Kong, and 1X basic points on other eligible spending. The extra 7.1X and 1.7X programs share a cap of 113,400 extra points per statement cycle. Current reference redemption is 270 points per HK$1 cash rebate or 15 points per mile; points transfer for this card has a HK$200 fee and 18,000-point minimum unit.

Advantages

  • 8.1X total points on qualifying shopping and entertainment
  • 2.7X total points on eligible local mobile payments
  • 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

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