#4
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. 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.
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