Best Citibank Credit Cards in Hong Kong 2020

Citibank offers some of the best credit cards on the market for cash rebates and accumulating air miles. Read our card reviews to determine which Citibank credit card is best for you based on miles rates, cashback rewards and local shopping promotions.

Best Citibank Credit Cards for Cashback
Best Citibank Air Miles Cards
Best Citibank Cards for Local Spend

Compare Best Citibank Credit Cards by Dollar Value

Based on an average monthly spend of HK$12,000, we analysed the best cash rebate credit cards on the market to estimate each card's value to consumers after 2 years, accounting for rebates and netting out annual fees. Note that value-to-consumer calculations depend heavily on individual spending habits, and intangible benefits like free travel insurance and airport lounge access are valuable but difficult to quantify.

A graph displaying how best Citibank credit cards compare to one another in terms of their rewards
Best Citibank Credit Cards in Hong Kong by Estimated 2-Year Dollar Value
Best Citibank Credit Cards for Cashback Best Citibank Air Miles Cards Best Citibank Cards for Local Spend

Compare Best Citibank Credit Cards by Dollar Value

Based on an average monthly spend of HK$12,000, we analysed the best cash rebate credit cards on the market to estimate each card's value to consumers after 2 years, accounting for rebates and netting out annual fees. Note that value-to-consumer calculations depend heavily on individual spending habits, and intangible benefits like free travel insurance and airport lounge access are valuable but difficult to quantify.

A graph displaying how best Citibank credit cards compare to one another in terms of their rewards
Best Citibank Credit Cards in Hong Kong by Estimated 2-Year Dollar Value

Best Citibank Credit Cards for Cashback

This Citibank credit card offers a highly competitive rebate on overseas spend and local dining transactions plus a respectable rate on general purchases. Other cashback cards offer higher rates for spending in specific categories, but this is a great choice for effortless savings across your budget.

Citi Cash Back Card: Unltd Cashback, Dining & Overseas Boost

  • 2% unlimited rebate on global dining, hotels & overseas spend
  • Promotions: Receive HK$700 cashback w/ HK$10k min. spend in 1st 2mo, OR:
  • Tea set for 2 at Mandarin Oriental w/ HK$10k min spend in 1st 2 mo, OR:
  • HK$800 Wellcome Coupon w/ HK$10k min spend in 1st 2 mo
  • Read Our Full Review
Citi Cash Back Visa Card is a great choice for consumers looking for highly competitive rebates across all of their spend, especially dining and overseas purchases. Cardholders earn an uncapped 2% on all transactions at restaurants and in foreign currencies, in addition to 1% on all other purchases, significantly higher than the market average of 0.4% for general spend.


If you have a lower budget, you may want to consider a card like Hang Seng MPOWER Card, which offers higher rebates on spending in select categories. However, Citi Cash Back Visa Card does not limit your monthly cashback and has no spending requirements, making it great for consumers with a larger budget who don’t want to worry about exceeding their rewards caps.

  • HK$240k min. annual salary
  • Annual fee: HK$1.8k, 1st yr waiver
  • 2% cashback on local and overseas dining & hotel spend
  • 2% cashback on all spend in foreign currency
  • 1% on all other spend
  • Purchase Protection up to US$7.6k
  • Stand-Out: 2% unlimited rebate on global dining, hotels & overseas spend
  • Promotions: Receive HK$700 cashback w/ HK$10k min. spend in 1st 2mo, OR:
  • Tea set for 2 at Mandarin Oriental w/ HK$10k min spend in 1st 2 mo, OR:
  • HK$800 Wellcome Coupon w/ HK$10k min spend in 1st 2 mo
  • Read Our Full Review
Citi Cash Back Card is a great choice for consumers looking for highly competitive rebates across all of their spend, especially dining and overseas purchases. Cardholders earn an uncapped 2% on all transactions at restaurants and in foreign currencies, in addition to 1% on all other purchases, significantly higher than the market average of 0.4% for general spend.


If you have a lower budget, you may want to consider a card like Hang Seng MPOWER Card, which offers higher rebates on spending in select categories. However, Citi Cash Back Visa Card does not limit your monthly cashback and has no spending requirements, making it great for consumers with a larger budget who don’t want to worry about exceeding their rewards caps.

  • HK$240k min. annual salary
  • Annual fee: HK$1.8k, 1st yr waiver
  • 2% cashback on local and overseas dining & hotel spend
  • 2% cashback on all spend in foreign currency
  • 1% on all other spend
  • Purchase Protection up to US$7.6k

Best Citibank Air Miles Cards

These Citibank cards offer solid miles rates on your spend, especially if you use your card for purchases in specific categories. Additionally, two of these cards offer competitive travel perks, making them a great choice for frequent flyers looking for more relaxing vacations.

Citi PremierMiles Visa Card: Rapid Miles, No Conversion Fees

  • No service charge on miles conversion + 12 free lounge visits
  • Promotions: Receive 9k miles w/ HK$10k spend in 1st 2mo, OR:
  • Tea set for 2 at Mandarin Oriental w/ HK$10k min spend in 1st 2mo, OR:
  • HK$800 Wellcome Coupon w/ HK$10k min spend in 1st 2mo
  • Read Our Full Review
Citi CashPremierMiles Card offers some of the best miles rates on the market for frequent travellers with a relatively high income. Every HK$1 spent abroad will result in 0.250 miles earned, boosted to 0.333 miles by spending over HK$20k in a month. Local spending also earns 0.125 miles per HK$1, well above the average rate.


This card is a good choice if you are looking for premium perks before your flights. Cardholders are granted 12 complimentary lounge trips at more than 50 designated Plaza Premium Lounges worldwide as long as you spend an achievable HK$5,000 within 30 days of the date of each visit.

Frequent overseas travellers who want top rewards on foreign currency spend and respectable miles for local transactions should definitely consider Citi PremierMiles Visa Card.

  • HK$240k min. annual salary
  • Annual fee: HK$1.8k, waived perpetually w/ HK$100k spend/yr
  • 0.333 miles per HK$1 overseas & online spend w/ HK$20k spend/mo (0.250 miles if below)
  • 0.125 miles per HK$1 local spend
  • 1 free lounge visit per HK$5k spend per person in next mo, up to 12 visits/yr
  • No miles conversion fee
  • Stand-Out: No service charge on miles conversion + 12 free lounge visits
  • Promotions: Receive 9k miles w/ HK$10k spend in 1st 2mo, OR:
  • Tea set for 2 at Mandarin Oriental w/ HK$10k min spend in 1st 2mo, OR:
  • HK$800 Wellcome Coupon w/ HK$10k min spend in 1st 2mo
  • Read Our Full Review
Citi CashPremierMiles Card offers some of the best miles rates on the market for frequent travellers with a relatively high income. Every HK$1 spent abroad will result in 0.250 miles earned, boosted to 0.333 miles by spending over HK$20k in a month. Local spending also earns 0.125 miles per HK$1, well above the average rate.


This card is a good choice if you are looking for premium perks before your flights. Cardholders are granted 12 complimentary lounge trips at more than 50 designated Plaza Premium Lounges worldwide as long as you spend an achievable HK$5,000 within 30 days of the date of each visit.

Frequent overseas travellers who want top rewards on foreign currency spend and respectable miles for local transactions should definitely consider Citi PremierMiles Visa Card.

  • HK$240k min. annual salary
  • Annual fee: HK$1.8k, waived perpetually w/ HK$100k spend/yr
  • 0.333 miles per HK$1 overseas & online spend w/ HK$20k spend/mo (0.250 miles if below)
  • 0.125 miles per HK$1 local spend
  • 1 free lounge visit per HK$5k spend per person in next mo, up to 12 visits/yr
  • No miles conversion fee

Citi Prestige Card: Top-of-Line Luxury Perks

  • Unltd. free lounge & 20k annual bonus miles
  • Promotions: Receive 20k miles when pay 1st yr annual fee of HK$3.8k
  • Read Our Full Review
Very high income consumers looking for some of the best luxury perks on the market may want to consider Citi Prestige Card. The 0.250 miles earned for every HK$1 spent overseas and 0.167 for local spend is very respectable, and cardholders are granted 20,000 miles every year for their relationship with Citibank.


Consumers can enhance their vacations with a 4th night free at any hotel stay of 4 consecutive days or more, unlimited airport lounge visits, complimentary travel insurance and waived green fees at golf courses across Asia.

Citi Prestige Card’s luxury perks come at a high price, as cardholders must have a minimum annual salary of HK$600,000 and pay a HK$3,800 annual fee. This card is a great fit if you have a large budget and are willing to pay a premium price for unbeatable travel benefits.

  • HK$600k min. annual salary
  • Annual fee: HK$3.8k
  • 0.250 miles per HK$1 overseas spend
  • 0.167 miles per HK$1 local spend
  • 20,000 annual renewal miles
  • Up to 30% annual Citi relationship bonus
  • Unlimited lounge access, travel insurance, free hotel nights & more
  • Stand-Out: Unltd. free lounge & 20k annual bonus miles
  • Promotions: Receive 20k miles when pay 1st yr annual fee of HK$3.8k
  • Read Our Full Review
Very high income consumers looking for some of the best luxury perks on the market may want to consider Citi Prestige Card. The 0.250 miles earned for every HK$1 spent overseas and 0.167 for local spend is very respectable, and cardholders are granted 20,000 miles every year for their relationship with Citibank.


Consumers can enhance their vacations with a 4th night free at any hotel stay of 4 consecutive days or more, unlimited airport lounge visits, complimentary travel insurance and waived green fees at golf courses across Asia.

Citi Prestige Card’s luxury perks come at a high price, as cardholders must have a minimum annual salary of HK$600,000 and pay a HK$3,800 annual fee. This card is a great fit if you have a large budget and are willing to pay a premium price for unbeatable travel benefits.

  • HK$600k min. annual salary
  • Annual fee: HK$3.8k
  • 0.250 miles per HK$1 overseas spend
  • 0.167 miles per HK$1 local spend
  • 20,000 annual renewal miles
  • Up to 30% annual Citi relationship bonus
  • Unlimited lounge access, travel insurance, free hotel nights & more

Citi HKTVmall Card: High Rebate and Discounts on HKTVmall purchases

  • 5% rebate at HKTVmall + 5% discount on Mondays
  • Promotions: Receive HK$200 cash rebate by activating card within 1st 3mo of approval
  • Receive HK$200 cash rebate by submitting income proof documents in 1st 3mo
  • Receive HK$800 cashback w/ HK$8k spend in 1st 3mo
Frequent HKTVmall shoppers who tend to make larger purchases can earn great rewards with the branded Citi HKTVmall Card. Transactions made through the Citi HKTVmall Payment Channel, achieved by simply linking your card to HKTVmall’s mobile app, nets a 5% rebate across all of your HKTVmall purchases. Furthermore, shoppers who plan their spending can enjoy benefits like a 5% discount on purchases above HK$500 every Thursday.


HKTVmall is the largest online retailer in Hong Kong, so if you are someone who tends to spend online, this card can help you earn significant cashback. However, the 0.067 miles accumulated for every HK$1 spent outside of HKTVmall is outmatched by other miles cards, so this card is best suited for HKTVmall brand loyalists.

  • HK$150k min. annual salary
  • Annual fee: HK$1.8k, 1st yr waiver
  • 5% cashback on HKTVmall spend
  • 5% discount on purchases of HK$500 or more on Thursdays
  • 0.067 miles per HK$1 general spend
  • 0.355 miles per HK$1 spend on Mondays (max 50k points)
  • Stand-Out: 5% rebate at HKTVmall + 5% discount on Mondays
  • Promotions: Receive HK$200 cash rebate by activating card within 1st 3mo of approval
  • Receive HK$200 cash rebate by submitting income proof documents in 1st 3mo
  • Receive HK$800 cashback w/ HK$8k spend in 1st 3mo
Frequent HKTVmall shoppers who tend to make larger purchases can earn great rewards with the branded Citi HKTVmall Card. Transactions made through the Citi HKTVmall Payment Channel, achieved by simply linking your card to HKTVmall’s mobile app, nets a 5% rebate across all of your HKTVmall purchases. Furthermore, shoppers who plan their spending can enjoy benefits like a 5% discount on purchases above HK$500 every Thursday.


HKTVmall is the largest online retailer in Hong Kong, so if you are someone who tends to spend online, this card can help you earn significant cashback. However, the 0.067 miles accumulated for every HK$1 spent outside of HKTVmall is outmatched by other miles cards, so this card is best suited for HKTVmall brand loyalists.

  • HK$150k min. annual salary
  • Annual fee: HK$1.8k, 1st yr waiver
  • 5% cashback on HKTVmall spend
  • 5% discount on purchases of HK$500 or more on Thursdays
  • 0.067 miles per HK$1 general spend
  • 0.355 miles per HK$1 spend on Mondays (max 50k points)

Best Citibank Cards for Local Spend

Budget-conscious spenders looking for great rewards on their everyday purchases should definitely consider these Citibank credit cards. Although other other air miles cards have better flat rates for general spend, these Citibank cards are an excellent choice if you are looking for rewards tailored to your specific spending habits.

Citi Rewards Card: Boosted Miles With Top Local Merchants

  • Top miles w/ popular merchants & on telecom bills
  • Promotions: Tea set for 2 at Mandarin Oriental w/ HK$10k min. spend in 1st 2 mo, OR:
  • Receive HK$800 cash rebate w/ HK$10k min. spend in 1st 2mo, OR:
  • For student applicants, 30k points (approx 2 MCL vouchers) w/ HK$2.5k spend in 1st 2mo
  • Read Our Full Review
Shoppers who tend to buy from leading merchants and supermarkets in Hong Kong can earn very high miles rates with Citi Rewards Card. Cardholders earn 0.333 miles per HK$1 spend with select department stores, supermarkets, and telecom providers, boosted to 0.536 miles during their birthday month.


Eligible merchants for top miles rates include Wellcome, PARKn'SHOP, AEON, SOGO, Market Place by Jasons, SUN Mobile, China Mobile, CityLink and many more.

This card will offers the greatest benefits to budget-conscious spenders who only use their card with certain vendors — general purchases only yield 0.067 miles per HK$1 spend. Local spenders who want to achieve top miles rates should definitely consider Citi Rewards Card.

  • Annual fee: HK$1.8k
  • 0.333 miles per HK$1 local spend w/ select supermarkets, department stores & telecom providers
  • 0.067 miles per HK$1 general spend
  • Citi World Privileges
  • Stand-Out: Top miles w/ popular merchants & on telecom bills
  • Promotions: Tea set for 2 at Mandarin Oriental w/ HK$10k min. spend in 1st 2 mo, OR:
  • Receive HK$800 cash rebate w/ HK$10k min. spend in 1st 2mo, OR:
  • For student applicants, 30k points (approx 2 MCL vouchers) w/ HK$2.5k spend in 1st 2mo
  • Read Our Full Review
Shoppers who tend to buy from leading merchants and supermarkets in Hong Kong can earn very high miles rates with Citi Rewards Card. Cardholders earn 0.333 miles per HK$1 spend with select department stores, supermarkets, and telecom providers, boosted to 0.536 miles during their birthday month.


Eligible merchants for top miles rates include Wellcome, PARKn'SHOP, AEON, SOGO, Market Place by Jasons, SUN Mobile, China Mobile, CityLink and many more.

This card will offers the greatest benefits to budget-conscious spenders who only use their card with certain vendors — general purchases only yield 0.067 miles per HK$1 spend. Local spenders who want to achieve top miles rates should definitely consider Citi Rewards Card.

  • Annual fee: HK$1.8k
  • 0.333 miles per HK$1 local spend w/ select supermarkets, department stores & telecom providers
  • 0.067 miles per HK$1 general spend
  • Citi World Privileges

Citi Octopus Platinum Credit Card: Offset Next Month’s AAVS Top-Up With Every Transaction

  • Dual Octopus functionality, auto-rebates on top-ups
  • Promotions: Receive HK$200 cashback w/ HK$2.5k spend in 1st 2mo
  • Read Our Full Review
Citi Octopus Platinum Credit Card is ideal for frequent commuters looking for great rewards on their public transportation spending. Cardholders earn 0.5% Octopus Cash rebate on retail spend–including AAVS reloads–which is then automatically applied to their next AAVS top-up.


With just HK$1,500 spend per month, consumers can also enjoy a 15% Octopus Cash rebate on bus fares for Kowloon Motor Bus, Long Win Bus, Citybus and NWFB bus trips for up to HK$300 Octopus Cash rebate per month.

While Citi Octopus Platinum Card provides convenient rebates, rewards aren't quite as flexible as traditional cashback. Octopus Cash can only be used to offset Octopus AAVS reload transactions, and Octopus Reward$ can only be redeemed with select merchants. Overall, this card offers unique benefits to commuters who use public transportation and is accessible with a moderate HK$150,000 minimum annual salary.

  • Annual fee: HK$1.8k
  • 0.5% rebate in Octopus Cash
  • All-in-one card w/ Octopus Functionality
  • Automatically earn Octopus Reward$ at designated merchants
  • Stand-Out: Dual Octopus functionality, auto-rebates on top-ups
  • Promotions: Receive HK$200 cashback w/ HK$2.5k spend in 1st 2mo
  • Read Our Full Review
Citi Octopus Platinum Credit Card is ideal for frequent commuters looking for great rewards on their public transportation spending. Cardholders earn 0.5% Octopus Cash rebate on retail spend–including AAVS reloads–which is then automatically applied to their next AAVS top-up.


With just HK$1,500 spend per month, consumers can also enjoy a 15% Octopus Cash rebate on bus fares for Kowloon Motor Bus, Long Win Bus, Citybus and NWFB bus trips for up to HK$300 Octopus Cash rebate per month.

While Citi Octopus Platinum Card provides convenient rebates, rewards aren't quite as flexible as traditional cashback. Octopus Cash can only be used to offset Octopus AAVS reload transactions, and Octopus Reward$ can only be redeemed with select merchants. Overall, this card offers unique benefits to commuters who use public transportation and is accessible with a moderate HK$150,000 minimum annual salary.

  • Annual fee: HK$1.8k
  • 0.5% rebate in Octopus Cash
  • All-in-one card w/ Octopus Functionality
  • Automatically earn Octopus Reward$ at designated merchants
Kevin Schwartz

Kevin is a Junior Research Analyst at ValueChampion, specialising in credit cards in Hong Kong. He previously worked for the U.S. Congress as well as in international education in Beijing. He holds a B.A. in International Studies and Chinese from the College of the Holy Cross.