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Citi Cash Back Card

Data last updated 27 October 2026
31.00%
Purchase rate
HK$1,800
Annual fee
58 days
Interest-free

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Citi Cash Back Card card
Application

CardIQ

37Basic

Basic

Overall score, out of 100 · How this works

  • Cashback74
  • Rewards0

Customer reviews

No reviews yet. Be the first to review the Citi Cash Back Card.

Pros & cons

What's good

  • The 31% p.a. purchase rate is among the lowest ongoing purchase rates (the median card charges 32% p.a.).
  • Earns cashback on eligible spending.

Worth noting

  • HK$1,800 principal card, HK$900 supplementary card. No waiver mentioned. Tax inclusion not stated. The HK$1,800 annual fee is still toward the top of the market (the median is HK$0).
  • Requires a minimum income of HK$120,000 a year.
  • Earns no rewards points on spending.
  • No balance transfer or introductory purchase offer.

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
None

Eligibility

Instant approval
Not published
Joint application
Not published
Minimum age
18 years old
Minimum income
HK$120,000 p.a.
Residency
Not published
Temporary residents
Not published

Rates & fees

Ongoing interest rates

Cash advances
31.00% p.a.
Purchases
31.00% p.a.

Fees

Additional cardholder fee
HK$900
Annual fee
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…and c. 1.5% of the unbilled principal of the Loan…Subject to a minimum of HK$300/CNY300 per month.

Balance transfers

This card has no promotional balance transfer offer.

Introductory purchase offer

This card has no introductory purchase rate offer.

Rewards

Cashback

Ongoing cashback
2% on eligible spend

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.

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.

Purchase rate31.00%Tied for best (1st of 40 cards)
Interest-free days58 daysTop 25% (8th of 40 cards)
Overseas fee1.95%Top 25% (10th of 40 cards)
Annual feeHK$1,800 a yearMiddle of the market (24th 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