Citi The Club Credit Card

Citi The Club Credit Card

Citi The Club Credit Card offers a permanent annual fee waiver and rewards through Club Points. When using the card at HKT merchants and selected partner merchants, cardholders can earn up to 4% cashback, while other transactions accrue a 1% cashback. Cardholders also receive benefits such as priority concert ticket booking, accidental damage coverage for electronics, and travel insurance.
Highlights
Benefits
Quick Facts
More Info
Guides
Eligibility
Fees
Others
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Citi The Club Credit Card Highlights

Annual Fee
Perpetual Annual Fee Waiver
Cashback Online Food Delivery
4  %
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Cashback Dining
4  %
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Cashback Local Online Shopping
4  %
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Things to consider

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Travel insurance

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Dining rebate

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Food delivery

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Concert ticketing

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Citi The Club Credit Card Benefits

Cashback

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Cashback Base Rate
1  %
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Cashback Local
4  %
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Cashback Overseas
1  %
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luggage
Cashback Travel
1  %
restaurant
Cashback Dining
4  %
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orders
Cashback Online Food Delivery
4  %
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Cashback Local Online Shopping
4  %
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Additional Benefits

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Complimentary Travel Insurance
Yes
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Citi The Club Credit Card More Info

  • Earn up to 4% Spending Rebate at Designated HKT merchants and Designated Merchants

    • Designated HKT merchants include 1O1O/csl/NETVIGATOR/Now TV/Club Shopping
    • Spend HK$100 earn 20 Clubpoints = HK$4 spending rebate
    • Spending at Designated Merchants, earn up to 4% rebate in Clubpoints. 3% rebate in Clubpoints on eligible accumulated spending in designated merchants in Clubpoints is subject to a cap of 1,500 Clubpoints per statement cycle.
    • Spending at Club Shopping (https://shop.theclub.com.hk/ or The Club Platform), earn up to 3% plus 1% rebate in Clubpoints, 1% rebate in Clubpoints is subject to a cap of 500 Clubpoints per statement cycle.
    • Upon reaching the Clubpoints limit, cardholder can still enjoy 1% rebate in Clubpoints on eligible transactions.
  • Earn 1% Spending Rebate at Other Merchants with No Cap
    • Spend HK$100 earn 5 Clubpoints = HK$1 spending rebate

    • Any other eligible transactions with no minimum spending requirement

  • Retail Purchase APR:
    35.51% (2.67% per month) when you open your account and it will be reviewed from time to time. Citibank will not charge you a finance charge if you pay your statement balance in full by the due date each month, otherwise a finance charge will be charged on (i) the unpaid statement balance from the date of the previous statement on a daily basis until payment in full and (ii) the amount of each new transaction (entered into since the previous statement date) from the date of that new transaction on a daily basis until payment in full.

  • Cash Advance APR:
    39.72% (2.67% per month) (inclusive of cash advance fee) when you open your account and it will be reviewed from time to time. A finance charge will be charged on the amount of cash advance from the date of the transaction until payment in full.
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Citi The Club Credit Card Eligibility

Eligibility

Minimum Age
Over 18  years old
Min. Annual Income
HK$ 120,000
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Citi The Club Credit Card Fees / Repayment

Fees

Annual Fee Waiver
Permanent
Annual Fee
Perpetual Annual Fee Waiver
Foreign Currency Transaction Fee
1.95  %
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Repayment

Minimum Payment
a. The total of all the current month’s interest, annual fee, late charge, past due amount, other fees and charges if any; and b. 1.5% of the statement balance (excluding item a, where applicable); and c. 1.5% of the unbilled principal of the Loan (as defined in Terms and Conditions for Citi Credit Card ""Quick Cash"" Installment Program and Terms and Conditions for Citi Credit Card ""Flexi-Installment"" Program) (where applicable)
Late Payment Charge
HK$300/CNY300/US$40 or the amount of minimum payment due under the last monthly statement, whichever is lower.
Retail Purchase APR
34.28  %
Cash Advance APR
35.81  %
Interest Free Period
58  days
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Citi The Club Credit Card Others Info

Association

Mastercard

Tags

Citi The Club Credit Card Citi The Club Credit Card

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