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Citibank (Hong Kong) Limited
Citibank (Hong Kong) Limited
Official site
www.citi.com.hk
Last verified
27 Oct 2026
Credit cards
9
Personal loans
6
Traditional bank accounts
2
Brokerage accounts
1
Tax loans
1
Credit cards
9
Citibank (Hong Kong) Limited
Citi The Club Credit Card
Annual fee
HK$0
Purchase APR
Retail purchase APR is 34.28% when the account is opened, subject to review.
Minimum income
HK$120,000
1
All eligible accumulated spending (Basic Clubpoint Program: 1% rebate, i.e. 1 Clubpoint per HK$20)
3
Designated merchants (Bonus Clubpoint Program: 3% bonus rebate, i.e. 3 Clubpoints per HK$20; capped at 1,500 Clubpoints per statement cycle)
Annual fee waiver
No annual fee.
Welcome offer
10,000 Clubpoints (equivalent to HK$2,000 in value) + The Club Platinum Membership + The Peninsula Hong Kong Cake E-Voucher (HK$538 in value)
Source: Citi The Club Credit Card
Updated
19 Oct 2026
Citibank (Hong Kong) Limited
Citi Rewards Card
Annual fee
HK$1,800
Purchase APR
34.28%
Minimum income
HK$120,000
3
Shopping (department stores, fashion and footwear outlets and other merchants)
3
Entertainment (movie tickets, concert tickets, digital streaming services, theme park tickets and other experiences)
Annual fee waiver
First year annual fee waiver
Welcome offer
HK$1,200 Cash Rebate + The Peninsula Hong Kong Cake E-Voucher (HK$538 in value)
Source: Citi Rewards Card
Updated
19 Oct 2026
Citibank (Hong Kong) Limited
Citi Prestige Card
Annual fee
HK$3,800
Purchase APR
Retail purchase APR is 34.28% when the account is opened, subject to review.
Minimum income
HK$600,000
0.25
Overseas spending (HK$4 = 1 Mile, i.e. 0.25 Mile per HK$1)
0.1667
Local spending (HK$6 = 1 Mile, i.e. about 0.1667 Mile per HK$1)
Annual fee waiver
The first-year annual fee under the welcome offer cannot be waived or reversed.
Source: Citi Prestige Card
Updated
19 Oct 2026
Citibank (Hong Kong) Limited
Citi PremierMiles Card
Annual fee
HK$1,800 per year for the principal card; HK$900 per year for a supplementary card.
Purchase APR
Retail purchase APR is 34.28% when the account is opened, subject to review.
Minimum income
HK$120,000
0.125
Local transaction (12 Points, i.e. 1 mile, per HK$8 posted)
0.333
Overseas and online foreign currency transactions when total Eligible Transactions reach HK$20,000 or above in one statement cycle (12 Points, i.e. 1 mile, per HK$3)
Welcome offer
240,000 Points (equivalent to 20,000 Miles) + The Peninsula Hong Kong Cake E-Voucher (HK$538 in value)
Source: Citi PremierMiles Card
Updated
19 Oct 2026
Citibank (Hong Kong) Limited
Citi HKTVmall Card
Annual fee
HK$1,800
Purchase APR
34.28%
Minimum income
HK$120,000
1
All eligible transactions (Basic Point: 1 Point per HK$1; no Points on Citi HKTVmall Card Payment Channel Transactions)
4
Transactions made on Mondays (extra 4 Points per HK$1; Bonus Points capped at 50,000 per statement cycle)
Annual fee waiver
First-year annual fee waiver.
Welcome offer
HK$1,000 Cash Rebate + The Peninsula Hong Kong Cake E-Voucher (HK$538 in value)
Source: Citi HKTVmall Card
Updated
19 Oct 2026
Citibank (Hong Kong) Limited
Citi Cash Back Card
Annual fee
HK$1,800
Purchase APR
34.28%
Minimum income
HK$120,000
2%
Local dining spending in Hong Kong (including the 1% Basic Rebate; merchant-code classified restaurants only)
2%
Local hotel spending in Hong Kong (including the 1% Basic Rebate; merchant-code classified hotels only)
Welcome offer
HK$1,200 Cash Rebate + The Peninsula Hong Kong Cake E-Voucher (HK$538 in value)
Source: Citi Cash Back Card
Updated
19 Oct 2026
Citibank (Hong Kong) Limited
Citi Octopus Platinum Card
Annual fee
HK$1,800
Purchase APR
34.28%
Minimum income
HK$120,000
0.5%
All card spending under the Octopus Cash Program (HK$1 rebate per HK$200)
15%
Designated Public Transport Fare Payments (MTR, bus, ferry, minibus, tram, taxi) upon monthly Eligible Transactions of HK$4,000 or above, registration required, monthly cap HK$300
Welcome offer
HK$1,800 Cash Rebate + The Peninsula Hong Kong Cake E-Voucher (HK$538 in value)
Source: Citi Octopus Platinum Card
Updated
16 Oct 2026
Citibank (Hong Kong) Limited
Citi Plus® Credit Card
Annual fee
HK$0
Purchase APR
34.28%
Minimum income
HK$120,000
1
All eligible transactions (Basic Point: 1 Point per HK$1)
2
Online Transactions (extra 2 Points per HK$1; bonus Points capped at 50,000 per statement cycle together with Fitness Bonus Point)
Annual fee waiver
No annual fee.
Welcome offer
HK$800 Cash Rebate
Source: Citi Plus Credit Card
Updated
16 Oct 2026
Citibank (Hong Kong) Limited
Citi Student Credit Cards
Annual fee
To be verified
Purchase APR
34.28%
Minimum income
HK$0
0.5%
Citi Octopus Platinum Card (Student) — every HK$200 spending
3%
Citi Rewards Card (Student) / Citi Rewards UnionPay Card (Student) — Shopping & Entertainment spend (up to)
Annual fee waiver
By student card: Citi Rewards and Citi Rewards UnionPay have a first-year annual fee waiver; Citi The Club student card has no annual fee.
Current offers:
Up to HK$900 Cash Rebate welcome reward (per-card offers range from HK$300 Cash Rebate to HK$900 Cash Rebate, or 75,000 Points)
Ended
（Until
30 Sep 2026
）
Source: Citi Student Credit Cards
Updated
21 Sep 2026
Personal loans
6
Citibank (Hong Kong) Limited
Citi Top-up Loan
APR
To be verified
Loan amount
To be verified
Monthly flat rate
To be verified
Tenor
6–60
Source: Citi Top-up Loan
Updated
19 Oct 2026
Citibank (Hong Kong) Limited
Citi Tax Season Loan
APR from
1.56%
–35.78%
Loan amount
Up to 12x monthly salary or HK$3,500,000 whichever is lower
Monthly flat rate
0.07%
Tenor
6–60
Source: Citi Tax Season Loan
Updated
19 Oct 2026
Citibank (Hong Kong) Limited
Citi Speedy Cash
APR from
1.56%
–35.78%
Loan amount
Up to 12x monthly salary or HK$3,500,000 whichever is lower
Monthly flat rate
0.07%
Tenor
6–60
Source: Citi Speedy Cash
Updated
19 Oct 2026
Citibank (Hong Kong) Limited
Citi Ready Credit
APR
5.38%
Loan amount
Credit limit up to 3x monthly salary or HK$500,000 whichever is lower
Monthly flat rate
To be verified
Tenor
Revolving credit; no fixed repayment period
Source: Citi Ready Credit
Updated
19 Oct 2026
Citibank (Hong Kong) Limited
Citi Handy Cash
APR from
19.46%
–44.72%
Loan amount
Up to 8x monthly salary or HK$100,000 whichever is lower
Monthly flat rate
0.83%
Tenor
6–60
Source: Citi Handy Cash
Updated
19 Oct 2026
Citibank (Hong Kong) Limited
Citi Card Debt Consolidation Loans
APR from
8.87%
–35.78%
Loan amount
Up to 21x monthly salary or HK$1,200,000 whichever is lower
Monthly flat rate
0.39%
Tenor
6–72
Source: Citi Card Debt Consolidation Loans
Updated
19 Oct 2026
Traditional bank accounts
2
Citibank (Hong Kong) Limited
Citigold
Account type
Citigold (checking / savings Account(s) and a Multi-Currency Account)
Minimum balance
HK$1,500,000 (Average Daily Combined Balance)
Maintenance fee
HK$300 (local customers) / HK$500 (International Personal Banking clients), charged if the Average Daily Combined Balance falls below HK$1,500,000 for 3 consecutive months
Interest
To be verified
Source: Citigold
Updated
27 Oct 2026
Citibank (Hong Kong) Limited
Citi Plus
Account type
Citi Interest Booster account and Currency Manager account
Minimum balance
Not applicable (no relationship balance requirement)
Maintenance fee
Waived (no monthly service fee)
Interest
0.3%–1.8% (0.3% p.a. base rate, up to 1.8% p.a. with Citi Interest Booster missions)
Source: Citi Plus
Updated
27 Oct 2026
Brokerage accounts
1
Citibank (Hong Kong) Limited
Citibank Stock Trading Services
Markets
Hong Kong securities
Shanghai, Shenzhen and Hong Kong securities
US securities
Commission
HK stocks: brokerage via Internet/Mobile Securities Services 0.18%–0.25% depending on account tier (Citigold Private Client / Citigold / Citi Priority / Citibanking CAW / Citi Plus / Citibanking), minimum charge per transaction HKD100 online/HKD125 via Dedicated Trading Hotline; US stocks: Citigold/Citi Priority/Citibanking/Citi Plus 1%/0.90%/0.80%/0.50% by transaction amount (USD 0–9,999 / 10,000–19,999 / 20,000–49,999 / 50,000 or above), Citigold Private Client 0.50%, minimum charge USD30 per transaction
Minimum deposit
To be verified
Regulator
To be verified
Current offers:
Zero commission on Hong Kong and US stock purchases for the first 3 months (new customer commission-free offer)
（Until
31 Jan 2027
）
Source: Citibank Stock Trading Services
Updated
19 Oct 2026
Tax loans
1
Citibank (Hong Kong)
Citi Tax Season Loan
APR from
1.56%
–35.78%
Loan amount
Up to 12 times of monthly salary or HK$3,500,000 (whichever is lower)
Monthly flat rate
0.07%–1.46%
Tenor
6–60
Source: Official product page
Updated
25 Sep 2026
