Citibank Credit Card – How to Apply Online


Citibank is a subdivision of Citigroup, and it was founded back in 1812. In those times, it was meant to serve as the city bank of New York. Citibank is a global leader of banking products and services, with more than 200 million customers worldwide.

Citibank offers a wide array of financial products and services to consumers, as well as businesses, continuously improving and tirelessly striving for greatness. It is one of the largest credit card issuers in the world, boasting 138 million accounts and 363.9 billion dollars in annual purchase sales, among other achievements.


In this article, we will explore the benefits of working with Citibank and the benefits of having a credit card at this bank. We will also discuss information about fees, rates, how to apply, and contact information.

Citibank Credit Card - How to Apply Online


Citibank can offer you a number of different credit cards, each having its own appearance, quirks, and benefits. There are six different credit cards available. These include Citi Prestige card, Citi Cash Back Card, Citi PremierMiles Card, Citi Rewards Card, Citi Octopus Credit card, and Citi Clear Card. 


Each of them has its specific benefits, and they are best used in different circumstances. For example, the PremierMiles credit card is best suited for individuals who travel. With this credit card, you get free travel insurance, as well as a first-year annual fee waiver and lounge access worldwide. 

The Cash Back card offers a 2% rebate for local dining, local hotel spending, spending in different currencies, and an auto-rebate with no cap throughout the year. The availability of options offers the ability to choose which one is best suited for your particular needs. If you travel a lot, this is a card that’s advantageous for that. If you often go out to eat, the Cash Back one is perfect for giving you rebates for things that you already buy.

You can also view your payments easily, in a matter of seconds, and keep up to date using e-mail and SMS. Plus, you can easily pay your bills and redeem rewards.

Fees and Rates

Each credit card, however, requires several criteria to be met to be eligible to request one. There are also some fees that need to be paid if you wish to enjoy the benefits that these credit cards offer. 

There is a different membership fee for each of the credit cards, starting from HKD 300 and going up to HK 23,800 per month. The fees are as follows.

  • Clear Card has an HKD300 monthly membership fee.
  • Octopus Gold has an HKD600 monthly membership fee.
  • Ultima has an HKD23,800 monthly membership fee.
  • PremierMiles, Cash Back, Cash Back American Express, Rewards, Octopus Platinum, HKTVmall cards all have an HKD1,800 monthly membership fee.

How to Apply

To apply for one of these credit cards, you must first be eligible. The requirements are to be 18 years of age or above and to be a Hong Kong resident. There is also a minimum income requirement per year. And this minimum requirement is different depending on which card you choose. The Citi Clear, Reward, and Octopus cards require a minimum annual income of HKD60,000, and Citi PremierMiles requires HKD360,000. 

If you meet the requirements, applying for a credit card from Citi is quite simple. You only have to visit their site, which provides all the information that needs to be known before applying. Also, you can search for Credit Cards in the menu, press it, and then press Apply Now for a specific card that best suits your preferences.

After that, you only need to follow the instructions. Make sure you read everything carefully and reassess your situation so you can make the best, most educated decision in choosing a credit card.

Citibank Credit Card - How to Apply Online

Contact Information

The contact information that is most useful in this context can be found below.

CitiPhone Banking Hotline: 2860 0333

Mailing Address: Citibank (Hong Kong) Limited, G.P.O. Box 3463, Hong Kong

Note: There are risks involved when applying for and using credit. Consult the bank’s terms and conditions page for more information.