Want to spend smarter with your credit card?

With Citi Credit Cards, you can now earn and use points flexibly!

Citi Credit Cards enables you to earn points whenever you spend from buying daily necessities, shopping for games, hiring a taxi, or ordering food delivery from online or outside shopping – they all count! Using the points you earned is easier than you can imagine. Simply login to your Citi Mobile^® App, through SMS or use directly at merchants' online platforms and shop with your points anytime, anywhere. It's just that easy and flexible!

Earn points flexibly!

Use your Citi Credit Card to shop online or even go outside, not only can you earn points, but also be rewarded with a spending rebate. Earning rewards is so flexible!

Details >

Use points flexibly!

Still have to wait for the cashier to ask if you want to offset your transaction with points?

With Citi Pay with Points, you can now use your points to offset transaction anytime, anywhere. Even better, your points will not expire^{^}!

Citi Mobile^®App
Login and select the transactions you want to offset with your points

SMS
Just 3 clicks to settle transaction with your points via the link in the SMS you receive after the purchase

Merchants' online platforms
Offset spending directly after payment by Pay with Points or Shop with Points; or convert your Citi Points to merchants’ coupons or their points
Details >

You can also redeem a Cash Rebate by using points in Citi Mobile^® App. Choose any option you like! More flexibility!
Details >

^{^}Not applicable to Citi Classic Card and Citi Gold Card

Use Citi Credit Cards and Citi Mobile^® App to give you a flexible experience!

Check your transactions instantly
Still waiting for your monthly statement? Now you can login to Citi Mobile^® App to view all your transactions immediately!
Details >

FlexiPay Installment
With a simple click, you can settle your transactions or repay your credit card balance with flexible repayment options
Details >

Citi PayAll
Settle your monthly expenses with your Citi credit card and earn points!

Terms and Conditions of Credit Cards Welcome Offers >

To borrow or not to borrow?
Borrow only if you can repay!

Citi Rewards Mastercard
(First year annual fee waiver)

Apply now

Welcome Offer:
HK$800 Wellcome Coupons
Or HK$700 Sogo Gift Certificate
Or Afternoon tea set of two
persons at Mandarin Oriental, Hong Kong

Enjoy an array of benefits and rewards:

Enjoy up to 8X Points at supermarkets, department stores and telecom providers
Points that never expire

Citi PremierMiles Card
(First year annual fee waiver)

Apply now

Welcome Offer:
108,000 points
Or HK$800 Wellcome Coupons
Or HK$700 Sogo Gift Certificate
Or Afternoon tea set of two persons at Mandarin Oriental, Hong Kong

Enjoy an array of benefits and rewards:

Overseas spending as low as HK$3=1 mile
No handling fee for mileage redemption
Points will never expire
Complimentary access to worldwide airport lounge
Free Travel Insurance

Citi Cash Back Card
(First year annual fee waiver)

Apply now

Welcome Offer:
HK$800 Wellcome Coupons
Or HK$700 Sogo Gift Certificate
Or Afternoon tea set of two persons at Mandarin Oriental, Hong Kong

Enjoy an array of benefits and rewards:

Auto rebate with no cap
2% Rebate on Local Dining and Hotel Spending
2% Rebate on Selected Spending in Foreign Currency
1% rebate on other spending in local currency

Citi Prestige Card
(Annual income must be HK$600,000 or more, annual Fee of HK$3,800

Apply now

Welcome Offer:
240,000 points

Enjoy an array of benefits and rewards:

Complimentary 4th night at any hotel
Complimentary global airport lounge access
Local spending HK$6 = 1 Mile;
Overseas Spending HK$4 = 1 Mile
Up to extra 30% Annual Relationship Points
Complimentary travel insurance and much more