Citi credit card referral: HK$1,200 cash rebate on the Citi Cash Back Card
New Citi cardholders who apply through our referral link by 4 January 2027 receive a HK$1,200 cash rebate on the Citi Cash Back or Citi Rewards Card after HK$5,000 of eligible spend in the first two months, with at least one eligible transaction in each month. The Citi Octopus Platinum Card pays HK$1,800 with one extra HK$500 automatic add-value reload. 借定唔借？還得到先好借！
Read our full assessment →Quick answer
Use the referral link for the Citibank Hong Kong (花旗銀行) offer. New eligible customers can get HK$1,200 after meeting the requirement: HK$5,000 of eligible spend within the first 2 months from card issuance, with at least 1 eligible transaction in each month (Citi Octopus Platinum Card: plus at least one HK$500 automatic add-value reload); Octopus and e-wallet top-ups, FPS, bill payments, tax and insurance do not count. Last verified 2026-11-14.
- Reward
- HK$1,200
- Referral code
- No code required
- Last verified
- 2026-11-14
- Difficulty
- Medium
- Time to claim
- About 5–10 minutes to apply online, plus approval, card activation and two months of spending
- Time to payout
- Cash rebate within 5 calendar months after the month the spending condition is met, credited to the new card account
Ad / referral links — we may earn a bonus when you sign up.
How to claim
- Check that you qualify before applying: no Citi principal credit card now, and none held or cancelled in the 12 months counted from the month you apply; not a full-time student of a Hong Kong tertiary degree or diploma programme; aged 18 or over with an annual income of at least HK$120,000 (Citi Prestige: HK$600,000).
- Tap Claim to open Citi's referral application page. The unique referral code box should already be filled in; if it is empty, do not apply, because the welcome offer depends on the referral code being on the application.
- Choose your relationship to the referrer, pick the card (Citi Cash Back for the HK$1,200 cash rebate) and tap Apply Now. Citi's online form opens with the code attached; submit it by 4 January 2027. The welcome offer cannot be changed once indicated on the form.
- Citi must approve the card by 4 February 2027. Activate the physical card within 1 month of issuance through the Citibank HK app or Citi's card activation page; an inactive card does not count as a successful referral.
- Within the first 2 months from card issuance, put HK$5,000 of purchases you had already planned on the card, with at least one eligible transaction in each month. On the Citi Octopus Platinum Card, also complete at least one HK$500 automatic add-value reload in the same period.
- Expect the cash rebate in the new card account within 5 calendar months after the month you meet the condition. Keep the card open, in good standing and paid in full; cancelling within one year of issuance allows Citi to debit the welcome value.
Eligibility & requirements
- New Customers only: no Citi principal credit card now, and none held or cancelled in the past 12 months, counted from the month of application. Otherwise the referral does not count and no welcome offer is paid.
- Submit a principal card application with the referral code between 1 July 2026 and 4 January 2027; Citi must approve it by 4 February 2027, and the physical card must be activated within 1 month of issuance.
- Welcome offers: Citi Cash Back, Citi Rewards Mastercard and Citi Rewards UnionPay HK$1,200; Citi Octopus Platinum HK$1,800; Citi PremierMiles 240,000 points (20,000 miles at the current conversion rate); Citi HKTVmall HK$1,000; Citi The Club 5,000 Clubpoints; Citi Prestige up to 720,000 points plus HK$1,200, with the points tied to paying the HK$3,800 first-year fee and holding a Citigold account. One welcome offer per person.
- Eligible spend counts posted principal and supplementary card transactions and billed merchant instalments. Excluded: FPS, Octopus and e-wallet top-ups, cash advances, balance transfers and cash instalment plans, tax, online or utility bill payments, insurance, charity, Citi PayAll, fund contributions, fees, casino and cancelled or refunded transactions.
- Not eligible: full-time students of a Hong Kong tertiary degree or diploma programme, US persons, residents of the EU, EEA, UK, Switzerland and the other countries the terms list, Citibank staff, self-referrals and anyone already referred under another Citi referral programme. Each person can be referred once.
- Annual fee HK$1,800 for the Cash Back, Rewards, PremierMiles, Octopus Platinum and HKTVmall cards (first year waived on Cash Back, Rewards Mastercard, PremierMiles and Octopus Platinum); 1.95% foreign currency transaction fee; 1% fee on Hong Kong dollar spend outside Hong Kong or with merchants not registered in Hong Kong (Visa and Mastercard).
- Cancelling within one year of card issuance allows Citi to debit the welcome value, and reversed qualifying spend can also be debited. The account must stay valid and in good standing until the reward is paid. Repay in full each month: the retail APR is 34.28%.
Verification notes
- Minimum spend/deposit
- HK$5,000 of eligible spend within the first 2 months from card issuance, with at least 1 eligible transaction in each month (Citi Octopus Platinum Card: plus at least one HK$500 automatic add-value reload); Octopus and e-wallet top-ups, FPS, bill payments, tax and insurance do not count
- Last verified
- 14 November 2026
Provider terms can change without warning. Treat this as a verification snapshot and confirm the live terms before applying.
Pros
- HK$1,200 for HK$5,000 of spend: about 25% back on the qualifying spend once the card's own 1% to 2% rebate is added
- Citi Cash Back earns 2% on local dining, local hotels and foreign currency spend and 1% on everything else, with no cap
- First-year annual fee waived on the Cash Back, Rewards Mastercard, PremierMiles and Octopus Platinum cards
- A choice of eight cards, including HK$1,800 on the Octopus Platinum Card and 240,000 points on PremierMiles
- The rebate is credited to the card account, and the whole application is completed online
Watch out for
- HK$1,800 annual fee from the second year; Citi publishes a first-year waiver only
- Anyone who held or cancelled a Citi principal credit card in the past 12 months is excluded
- Spending must fall in both months, and Octopus or e-wallet top-ups and bill payments do not count
- The rebate can take up to 5 calendar months after the month the condition is met
- Cancelling within a year of issuance allows Citi to take the welcome value back
- The 1.95% foreign currency fee cancels out most of the Cash Back card's 2% overseas rebate
FAQ
- Which card should I choose?
- For straightforward cash, Citi Cash Back: HK$1,200, then 2% on local dining, local hotels and foreign currency spend. Citi Rewards pays the same HK$1,200 and earns points on shopping and entertainment. The Octopus Platinum Card pays HK$1,800 if you also make one HK$500 automatic add-value reload, and PremierMiles pays 240,000 points for miles collectors.
- Do I need to enter a referral code?
- Our link fills the unique referral code in on Citi's page. Check that the code box is filled before choosing a card, because the terms require the code to be on the application you submit.
- Who does not qualify?
- Anyone who holds a Citi principal credit card, or held or cancelled one in the 12 months counted from the month of application; full-time students of a Hong Kong tertiary degree or diploma programme; US persons and residents of the countries listed in the terms; and anyone already referred under another Citi referral programme.
- What counts towards the HK$5,000?
- Posted retail purchases and billed merchant instalments on the principal and supplementary cards within the first 2 months, with at least one in each month. Octopus and e-wallet top-ups, FPS, bill payments, tax, insurance and Citi PayAll do not count.
- When is the HK$1,200 paid?
- Within 5 calendar months after the month you meet the spending condition, credited to the new card account. Meeting it in January 2027, for example, means by the end of June 2027.
- Can I receive two welcome offers by applying for two cards?
- No. Each referee is entitled to one welcome offer, and each person can be referred only once during the promotion.
- What happens if I cancel the card?
- Cancel within one year of issuance and Citi may debit the welcome value. The annual fee is non-refundable, and Cash Back rebates below HK$200 that have not yet been credited are forfeited when the account closes.
Related offers
Provider
Mox
Use E6BZQ2 during 14 September–20 December 2026 for HK$200 after timely Mox Credit approval and an eligible card purchase. Up to HK$2,000 more requires the programme’s card-spend, savings and investment conditions; the headline total is HK$2,200, and credit and investment carry risk. Credit involves repayment risk — 借定唔借？還得到先好借！
Requirement: HK$200 referral: Mox Credit approved within 30 days of opening and eligible spend within 30 days of approval. Additional rewards depend on Programme 25 credit/spend, savings and investment conditions.
Medium15-30 minutes to apply, plus card approval and qualifying tasksPayout After you successfully apply for a Mox Credit Card and complete the related welcome tasks under live Mox terms — cash rewards (if any) credit to your Mox account per the referral programme schedule
Verified 2 November 2026 · Ends 20 December 2026
Provider
Standard Chartered Hong Kong (渣打銀行)
Apply for Standard Chartered Hong Kong's debt consolidation plan (結餘轉戶計劃), an extra credit line that requires a Standard Chartered principal credit card, through this referral link with code A3872270. The referral terms list a HK$1,000 rebate for HK$200,000 or more over 36 months or more, but their loan dates have all passed, so get the bank's written confirmation first; November 2026 online applications also earn the bank's own HK$800–HK$21,000 rebate. APR 4.67% to 36%. Only borrow to clear debt you can repay: 借定唔借？還得到先好借！
Requirement: Hold a Standard Chartered principal credit card before drawdown. HK$1,000 referral rebate: at least HK$200,000 over 36 months or more, drawn within 3 months of applying. November online rebate: at least HK$100,000, applied for online by 30 November 2026 and drawn within 3 months
Hard15-20 minutes to apply online; the loan is paid out within 5 working days of approvalPayout November online rebate: within 4 months of drawdown, to your eligible Standard Chartered card account. HK$1,000 referral rebate: to your HKD deposit account (or the loan repayment account if you have none), but the referral terms list no current payout date
Verified 3 November 2026 · Ends 1 January 2027
Provider
Standard Chartered Hong Kong (渣打銀行)
Eligible new SC Cathay cardholders who apply through A3872270 by 1 January 2027, with the card issued by 31 March 2027, receive 13,000 referral miles (10,000 plus a 3,000-mile 10th-anniversary bonus) with no spend requirement, credited by 30 June 2027. The standard card's welcome miles (up to 40,000) are separate and need eligible spend in the first 2 months. Credit involves repayment risk — 借定唔借？還得到先好借！
Requirement: No spend for the 13,000 referral miles; welcome miles need HK$5,000, HK$40,000 or HK$110,000 of eligible spend within the first 2 months (Octopus automatic add-value, e-wallet top-ups, bill payments and tax do not count)
Medium10-15 minutes to apply online, plus card approvalPayout Referral miles by 30 June 2027; basic miles monthly after each statement, and the rest of the welcome miles within 5 months of card issue, per Standard Chartered's terms
Verified 11 October 2026 · Ends 1 January 2027
Added 14 November 2026 · Last updated 14 November 2026. Offers and terms change frequently - always confirm on the provider's site before applying.