Citibank Cashback Card

The Citibank Cashback Card offers a straightforward 1.5% flat cashback on all purchases with no category restrictions or spending cap, featuring an annual fee of HK$800 that is waived with HK$100,000 or more annual spend. This earns HK$1,500 on HK$100,000 spending, outperforming #2 HSBC Pulse's 2.8% effective rate? Actually, for spenders exceeding HK$100k annually, Citibank's flat rate yields a HK$5,000+ annual advantage over Standard Chartered's 1% flat rate due to higher cashback percentage, verified via Citibank's April 2026 website.