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Citi Rewards Mastercard
Citibank
Earns one point per HKD1 on general spend, with higher points rebates for shopping and entertainment and no points expiry.
- 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 |
|---|---|---|
| general | 1x | No cap |
Eligibility
Applicants must be aged 18+ with minimum annual income HKD120,000. Shopping and entertainment can earn a points rebate equivalent to up to 3%, and eligible local mobile payments 1%; merchant classification and programme terms apply. 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.
FAQ
What is the annual fee for Citi Rewards Mastercard?
The annual fee for Citi Rewards Mastercard is HK$1,800. Waiver: Current application terms provide a first-year annual-fee waiver.
What is the minimum income requirement for Citi Rewards Mastercard?
The minimum annual income requirement for Citi Rewards Mastercard is HK$120,000.
What is the foreign currency fee for Citi Rewards Mastercard?
The foreign currency transaction fee for Citi Rewards Mastercard is 1.95%.