#7
Citi Cash Back Card
HK$1,200/yr (1st yr waived)(HK$1,200)
Should this item rank higher or lower?
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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).
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View canonical entity profile (4 lists) →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%
Pros and Cons
Pros
- Unlimited 2% cash rebate on all local dining, hotel & non-EEA foreign currency spending with no monthly cap, plus 1% unlimited elsewhere
- automatic HK$200 statement offset
Cons
- Physical card-present spend inside EEA countries earns 1% instead of 2%
- 1.95% FX fee applies overseas
Eligibility
- Minimum annual income HK$120,000
- HK$8,000 qualifying spend required
- new-to-cardholder cooling-off rule: 12 months
Things to Watch Out For
- Physical card-present spend inside EEA countries earns 1% instead of 2%
- 1.95% FX fee applies overseas
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