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Citi Cash Back Card
Citibank
Unlimited 2% cashback on local dining, hotels and foreign-currency spend, and 1% on other eligible local spend.
- Annual fee
- HK$1,800
- Minimum income
- HK$120,000
- FX fee
- 1.95%
- Network
- mastercard
Last updated: 1 September 2026
Official issuer detailsEarn rates
| Category | Rate | Cap |
|---|---|---|
| dining | 2% | No cap |
| hotel | 2% | No cap |
| overseas | 2% | No cap |
| general | 1% | No cap |
Eligibility
Applicants must be aged 18+ with minimum annual income HKD120,000. The HKD1,200 welcome cash rebate applies to qualifying new customers who apply from 1 July to 30 September 2026, activate the physical card within one month of issuance, and accumulate HKD5,000 eligible spend in the first two months with at least one eligible transaction in each month. A new customer must not currently hold, or have held in the preceding 12 months, a Citi principal card.
FAQ
What is the annual fee for Citi Cash Back Card?
The annual fee for Citi Cash Back Card is HK$1,800. Waiver: Current application terms provide a first-year annual-fee waiver.
What is the minimum income requirement for Citi Cash Back Card?
The minimum annual income requirement for Citi Cash Back Card is HK$120,000.
What is the foreign currency fee for Citi Cash Back Card?
The foreign currency transaction fee for Citi Cash Back Card is 1.95%.