Citi Cash Back Card vs HSBC Red Credit Card
Compare Citi Cash Back Card, HSBC Red Credit Card side by side: annual fees, interest rates, rewards and eligibility to find the right card for you.
 Citi Cash Back Card |  HSBC Red Credit Card |
|---|
Card details
CardIQ
How we calculate scores| Overall | 37Basic | 63Good Highest |
|---|---|---|
| Cashback | 74/100 | 99/100Highest |
| No annual fee | – | 77/100 |
| Rewards | 0/100 | 35/100Highest |
| Sign-up bonus | – | 41/100 |
The basics
| Card tier | Platinum | Not published |
|---|---|---|
| Card type | Not published | Not published |
| Credit rating | Not published | Not published |
| Rewards program | None | HSBC RewardCash |
| Credit limit | Not published | Not published |
Eligibility
| Minimum age | 18 years old | Not published |
|---|---|---|
| Minimum income | HK$120,000 p.a. | HK$120,000 p.a. |
| Residency | Not published | Not published |
| Joint application | Not published | Not published |
| Temporary residents | Not published | Not published |
| Instant approval | Not published | Not published |
Repayments
| Interest-free period | Up to 58 daysHighest | Up to 56 days |
|---|---|---|
| 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…and c. 1.5% of the unbilled principal of the Loan…Subject to a minimum of HK$300/CNY300 per month. | Total fees and charges currently billed to the card statement plus 1% of the statement balance (excluding any fees and charges currently billed) as at the statement date, or HKD300, whichever is higher; plus overdue or overlimit due |
Rates & fees
Ongoing interest rates
| Purchases | 31.00% p.a.Lowest | 31.80% p.a. |
|---|---|---|
| Cash advances | 31.00% p.a.Lowest | 31.80% p.a. |
Fees
| Annual fee | HK$1,800 p.a. | No annual feeLowest |
|---|---|---|
| Monthly fee | — | — |
| Additional cardholder fee | HK$900 | HK$0Lowest |
| Cash advance fee | — | 1% of the amount |
| Foreign transaction fee | 1.95% | 1.95% |
| Late payment fee | HK$300 | HK$300 |
Rewards
How many points could you earn?
Enter your monthly spend to see estimated annual points for each card below.
Earn rate
| Everyday spend | None | None |
|---|---|---|
| Bonus categories | None | None |
| Other purchases | None | None |
| Overseas spend | None | None |
| Reduced rate above monthly cap | None | None |
| Points cap | — | — |
| Points expiry | — | — |
| Estimated annual points | – | – |
Sign-up bonus
| Sign-up bonus | — | 650 points |
|---|---|---|
| Bonus spend required | — | — |
Cashback
| Sign-up cashback | — | — |
|---|---|---|
| Spend required | — | — |
| Ongoing cashback | 2% on eligible spend | 4% on eligible spend |
| Cashback cap | 2% on local dining, local hotel, and foreign currency spending; 1% basic rebate on all other eligible transactions. Rebate credited when accumulated balance reaches HK$200 or above. | HK$400 per month |
Related comparisons
Sources
- Credit Card Compare
- How CardIQ scores cards