Citi Cash Back Card

Citi Cash Back Card (Citi Cash Back 信用卡), issued by Citibank Hong Kong, delivers up to 2% cash/points rebate alongside a HK$1,600–HK$2,200 Apple Store Gift Card / FPS cash rebate via aggregator promo welcome package (valid through 2026-11-30). Key Metrics: Issuer: Citibank Hong Kong · Local Miles Rate: Cashback-focused · Overseas Miles Rate: Cashback-focused · Headline Cashback: Up to 2% · Monthly Spend Cap: Uncapped · Welcome Offer: HK$1,600–HK$2,200 Apple Store Gift Card / FPS cash rebate via aggregator promo · Annual Fee & Waiver: HK$1,200 (First year waived; easy annual waiver) · FX Fee: 1.95%. Eligibility: Minimum annual income HK$120,000; HK$8,000 qualifying spend required; new-to-cardholder cooling-off rule: 12 months..