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Exclusive in Hong Kong! Citi Plus Credit Card is dedicated for Citi Plus Account Holder, which allows you to earn Points and Interest simultaneously!
Simply earn Points by spending with this Credit Card, and complete Citi Interest Booster’s missions to earn Bonus Interest Rate of 0.3% p.a.!
Your credit card spending can now integrate with your Saving Account, and enjoy 3X Points for online shopping and fitness memberships!
You can also enjoy Welcome Offer of Apple AirPods Pro when applying for Citi Plus Credit Card! If you are not a Citi Plus Account Holder yet,
remember to select and apply for Citi Plus Credit Card too when filling in the online form. Just few clicks and it is completed, act now!



Apply for Citi Plus Credit Card Now



Welcome Offer Terms and Conditions
Key Facts Statement
Terms and Conditions of Credit Limit

Earn Bonus Interest Rate and 3X Points for
online shopping and fitness memberships

Do you love online shopping and boosting your well-being? Use Citi Plus Credit Card to earn more on savings with Citi Interest Booster
by completing simple “Spending” missions. You can also enjoy 3X Points for online shopping and fitness memberships! Use Citi
Plus Credit Card to shop, dine and play in town or around the globe. Stay chill & play hard!

Earn bonus interest rate
on Citi Interest Booster

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Enjoy 3X Points for
online shopping

Enjoy 3X Points
for fitness memberships

Earn more + Rewards

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Purchase protection

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Points that
never expire
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Instantly offset
spending anytime with
Citi Pay with Points
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No annual fee

Top 6 credit card features

Citi Pay with Points
Citi Pay with Points

Offset transaction with Points in a click

“FlexiBill” Installment Program
“FlexiBill” Installment Program

Turn statements into small payments

“Quick Cash” Installment Program
“Quick Cash” Installment Program

Instant cash to get things done right away

Freedom to do more with the new
Citi Mobile® App

Everything at a glance
Activate a new card
Secure your transaction
Reset your ATM Pin
Powerful features on demand
See your points balance

at a glance

Activate a
new card

Secure your

Reset your

Powerful features
on demand

See your
points balance


Latest Credit Card Promotions

Latest Credit Card Promotions

Explore an array of benefits with your Citi Credit Card

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Citi Pay with Points

Citi Pay with Points

Offset spending with Point at designated merchants’ online platforms to enjoy exclusive privileges

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Additional Privileges for Contactless Payment

Additional Privileges for Contactless Payment

Use contactless payment to pay conveniently and enjoy extra rewards

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Earn more rewards in less than 10 minutes

Applying online for a Citi Plus Credit Card is easy.

Min. annual income HK$120,000 / Min. HK$80,000 in Citi Plus banking account

Age 18 or older

Applicable to Citi Plus Account Holder only

Welcome offer of Apple AirPods Pro and enjoy full rebate on the interest charges in the first two statement cycles

Refer now to get HK$500 Cash Rebate for each referral

Submit Document

Please send copies of your supporting document here.

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

Useful Links

Activate your Credit Card
Cardholder's Guide
Citi ThankYou Rewards
Year Round Offers

Citi Plus Credit Card

@ New Customers can enjoy 100% Cash Rebate on the finance charges from Retail & Cash Advance transactions posted to the first 2 months' statements upon card approval date. Cash Rebate will be capped at HK$1,000 for each customer in the entire promotion. No registration is required.

General Terms and Conditions:

  1. Unless otherwise specified, these programs apply to principal and supplementary cardholders ("Cardholders") of Citi Plus Credit Card issued by Citibank (Hong Kong) Limited ("Citibank") ("Eligible Card").
  2. Citi ThankYou Rewards Terms and Conditions apply for all Points related offers. For details, please visit
  3. If Cardholders have subsequently cancelled / reversed any transactions in respect of which offers are rewarded, Citibank reserves the absolute right to charge the equivalent value of such offers directly from the Eligible Card account without prior notice.
  4. Cardholders must maintain valid Eligible Card accounts with good credit record in order to be eligible for the offers. In case there is any fraud / abuse, Citibank reserves the absolute right to charge the equivalent value of the offers rewarded under these programs directly from the Eligible Card account without prior notice, forfeit the Cardholder's eligibility to be entitled to the offers, and/or suspend the Eligible Card account for investigation without prior notice.
  5. Citibank shall not be responsible for any matters in relation to the related products or services. The respective merchants are solely responsible for all obligations and liabilities relating to such products or services and all auxiliary services.
  6. Citibank reserve the right to amend the terms and conditions without prior notice.
  7. All matters and disputes are subject to the final decision of Citibank and the respective merchants.
  8. In the event of any discrepancy between the English and Chinese versions of these terms and conditions, the English version shall prevail.


Terms and Conditions for Points Accumulations and Redemption:

  1. Points will be awarded to eligible transactions in accordance with the following criteria:
    1. a) Basic Point: 1 Point will be awarded per HK$1 (or equivalent foreign currency) transaction posted;
    2. b) Online Bonus Point: extra 2 Points will be awarded per HK$1 (or equivalent foreign currency) Online Transaction. Online Transactions are transactions with official payment records and classified as online transaction according to the merchant codes/transaction types as defined by relevant card association or a merchant's acquiring bank. Citibank has no obligation to clarify whether an online transaction is an Eligible Transaction before the Cardholder conducts such online transaction. Transactions of “PayAll’ program are not eligible to Online Bonus Point;
    3. c) Fitness Bonus Point: extra 2 Points will be awarded per HK$1 (or equivalent foreign currency) Fitness Membership Transaction. Fitness Membership Transactions are transactions made at fitness centre which are classified as fitness merchants according to the merchant codes issued by relevant card association.

    The Points will be credit to Eligible Card account on the next business day after the transaction is posted.

  2. Each Eligible Card account is subject to a maximum of 50,000 bonus Points (inclusive of Online Bonus Point and Fitness Bonus Point) per statement cycle.
  3. Ineligible Transactions include but are not limited to, cash advances, fees and charges, withdrawal amount under the Balance Transfer Program, Cash Conversion Program and Quick Cash Installment Program, “FlexiBill” Installment Program and “PayLite” Installment Program, payment to the Inland Revenue Department, casino transactions, online bill payment, transactions through Faster Payment System (FPS) Service, "Dynamic Currency Conversion transactions", i.e. transactions with conversion from a foreign currency into Hong Kong Dollars involved at the point of the transaction, or unposted /cancelled /refunded transactions.
  4. All Points earned by the principal and supplementary Cardholders of the same Eligible Card will be accumulated under the principal Cardholder's account.
  5. Only principal Cardholders are eligible for Points redemption.
  6. Citibank may add to, or remove from, the list of invalid transactions as stated in Clauses 3 above from time to time at its discretion. The decision of Citibank as to what constitutes an invalid transaction shall be final and conclusive.
  7. Points earned on Eligible Card are evergreen.
  8. Should any transaction in the monthly statement be cancelled or refunded for whatever reason, the Points earned in respect to those transactions will be deducted or cancelled.
  9. Reward points reversal will be applied in the statement cycle when reversal transaction is posted which differ from the statement cycle of corresponding purchase transaction. Accelerated/bonus reward points will be awarded only if cumulative value of new purchase transactions in the respective spend category is higher than the value of transactions reversed.


Terms & Conditions of Purchase Protection Insurance:

  1. The period of insurance is available from November 25, 2020 to March 31, 2021 (both dates inclusive).
  2. Principal Cardholders are required to settle payments with their Eligible Card in order to enjoy the offer.
  3. The offer starts upon Principal Cardholders charging their purchase to the Eligible Card for a period of 30 days. For item purchased under a merchandising program, coverage of 30 days shall commence from the date of delivery of merchandise in undamaged condition to the Principal Cardholder.
  4. Citibank is not the insurance underwriter of the Purchase Protection Insurance ("the Policy"). Zurich Insurance Company Ltd. is the insurance underwriter ("the Insurance Underwriter") of the Policy above and is solely responsible for all coverage and compensation. The Insurance Underwriter is not a subsidiary or an affiliate of Citibank or Citibank, N.A. or Citigroup Inc. The Policy is part of the credit card feature and Citibank shall not be responsible for any matters in relation to the Policy provided. Unless otherwise specified, insurance products are not bank deposits or obligations of, guaranteed or insured by Citibank, Citibank, N.A., Citigroup Inc. or any of their affiliates or subsidiaries, or by any local government agency.
  5. This statement is not a policy or contract of insurance. The original policy is on file at the office of Citibank. Final decisions will be made in accordance with original policy. For insurance details, please refer to the Purchase Protection Insurance Factsheet. For claims enquiry, please call Zurich's Customer Services Hotline at (852) 2903 9482. Citibank and its Insurance Underwriter reserve the right to make the final decision on all claims.


Terms & Conditions of Credit Limit:

  1. My application for the Card is subject to approval, and my use of the Card will be governed by the Citi Credit Card Agreement;
  2. Upon Card approval, a default credit limit will be assigned to the Card, until my successful completion of the Relevant Requirement (as defined below) and assessment by Citibank of the normal credit limit applicable to the Card after completion of the Relevant Requirement. A default credit limit is a minimum credit limit assigned by Citibank at its discretion upon Card approval, pending completion of the Relevant Requirement ;
  3. Within the first 3 months of Card approval (“3-Months Period”), I shall complete one of the following Relevant Requirements: (i) submission of income proof documentation; or ii) successfully setting up my Citi Plus Banking Account as payroll account; or iii) funding a minimum of HK$80,000 in my Citi Plus Banking Account; or iv) submission of other asset proof, e.g. fixed deposit advice (each, “the Relevant Requirement”);
  4. Upon completion of the Relevant Requirement, Citibank will assess the normal credit limit applicable to the Card, and for such purpose Citibank may have reviewed my Credit Report from the Credit Reference Agency again, if the assessment for normal credit limit takes place beyond 30 days from Card application creation. Subject to final decision of Citibank, the default credit limit will be converted into normal credit limit automatically, and I agree to accept the normal credit limit assigned by Citibank; and
  5. If I fail to fulfill the Relevant Requirement within the 3-Months Period, Citibank reserves the right to terminate the Card, and upon termination I shall immediately pay all outstanding balances under the Card account (including but not limited to any outstanding amounts under the Interest-Free Installment Plans and/or “Quick Cash”/ “FlexiBill”/ “PayLite” Installment Programs).
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