Citibank信用卡比較及迎新一覽 | 高收入vs低年薪 | 里數vs現金回贈
Citibank信用卡比較及迎新一覽 | 高收入vs低年薪 | 里數vs現金回贈
Citibank迎新一表睇晒！食迎新嘅機會得一次，你申請時當然要選得小心D選返張啱自己嘅信用卡而個迎新又夠吸引。以下一次過比較晒6張Citi信用卡等你一目了然邊張啱你多D！經里先生申請Citi信用卡全部都有額外回贈。以下有各卡短評及列表比較。
Citi信用卡比較: 賣點/優勢短評
- Citi所有卡: 電子錢包PayMe/WeChat Pay/Alipay都計迎新同埋日常都有積分！非常慷慨！
- Citi Cash Back: (食迎新首選) 迎新回贈金額夠大，無成本chok PayMe/WeChat Pay/Alipay都食到。酒店/食肆簽賬無上限2%回贈，合適唔玩里數嘅朋友做食飯卡又或者結婚擺酒用嚟找尾數食返2%都好(佢寫咗宴會唔當食肆，但我都唔知佢點分，如果唔當食肆/酒店就只有1%了)。詳情睇返→Citi Cash Back Visa分析
- Citi PremierMiles: 今期迎新有9,000里+首半年$4=1里算係幾好，呢張卡最好嘅地方係外幣簽賬$3=1里/Avios(月結單要夠$2萬，唔夠可以用PayMe/WeChat Pay/Alipay補夠數)同埋可以入到香港環亞lounge (如果你有CX AE Elite，想帶埋朋友入可以拎住呢張卡，事後30日內payme返$5,000就ok)詳情睇返→Citi PremierMiles分析
- Citi Rewards: 今期迎新都正！有相等於9,000 Avios嘅積分！申請門檻低，聽過年薪$10萬以下都批！平日就用嚟做超市買野/自動轉賬交電話/寬頻等等嘅費用有$3=1里！平日簽賬得$15=1里都幾麻麻同埋換里數要$300手續費，要儲埋一次過換先抵！詳情睇返→Citi Rewards分析
- Citi Octopus: 一般簽賬同迎新都無乜優勢，係同九巴合作有15%車費回贈抵(白金卡Only)！要求簽果$1,500又可以用PayMe搞掂！詳情睇返→Citi八達通信用卡分析
- Citi Prestige: 呢張係張神卡，平日簽賬有$6=1里/Avios。最好玩在於有年資獎+Citigold客戶bonus同埋搵Citi book酒店住4晚免1晚。年費無得傾必需俾，識玩就返到本唔識玩就諗清楚先始終個年費唔少野…想出都唔易年薪要$60萬。→Citi Prestige 分析
- Citi Clear: 學生卡，入場門檻最低。好適合用嚟keep好環聯信貸個底。有時Citi拎D優先獨家訂演唱會票都要靠呢張卡。信用卡初哥想做好環聯信貸個底嘅好選擇！→Citi Clear card分析
比較Citibank信用卡表格一覽
**表格可以按左右移動/左右flip**| Items_description | Citi_Cash_back | Citi_PremierMiles | Citi_Rewards_Visa | Citi_Octopus_card | Citi_Prestige_card | Citi_Clear_card |
|---|---|---|---|---|---|---|
| 新客迎新 | 刷$10,000有$1,000現金回贈 | 刷$10,000有額外9,000里 | 刷$10,000有9,000里(13.5萬積分) | 刷$2,000有200現金回贈 | 俾年費$3,800有20,000里 | 刷$10,000有額外$900現金回贈 |
| 年薪要求 | $24萬 | $24萬 | $15萬 | $15萬 | $60萬 | $6萬 |
| 年費 | 首年免, 其後可打去waive | 首年免, 其後可打去waive | 首年免, 其後可打去waive | 首年免, 其後可打去waive | 無得傾必需俾$3,800 | 首年免, 其後可打去waive |
| 港幣簽賬 | 1%回贈 | $8=1里 | $15=1里 | 0.5%回贈 | $6=1里 | 0.4%回贈 |
| 外幣簽賬 | 2%回贈 | $3=1里 | $15=1里 | 0.5%回贈 | $4=1里 | 0.4%回贈 |
| 食肆/酒店簽賬 | 2%回贈 | $8=1里 | $15=1里 | 0.5%回贈 | $6=1里 | 0.4%回贈 |
| 超市/電訊簽賬 | 1%回贈 | $8=1里 | $3=1里 | 0.5%回贈 | $6=1里 | 0.4%回贈 |
| PayMe | 1%回贈 | $8=1里 | $15=1里 | 0.5%回贈 | $6=1里 | 0.4%回贈 |
| 支付寶HK | 1%回贈 | $8=1里 | $15=1里 | 0.5%回贈 | $6=1里 | 0.4%回贈 |
| WeChat Pay | 1%回贈 | $8=1里 | $15=1里 | 0.5%回贈 | $6=1里 | 0.4%回贈 |
| 八仔增值 | 1%回贈 | $8=1里 | $15=1里 | 0.5%回贈 | $6=1里 | 0.4%回贈 |
| 網上購物(港幣) | 1%回贈 | $8=1里 | $15=1里 | 0.5%回贈 | $6=1里 | 0.4%回贈 |
| 網上購物(外幣) | 2%回贈 | $3=1里 | $15=1里 | 0.5%回贈 | $6=1里 | 2%回贈 |
| 申請連結 | 申請Cash Back | 申請Citi PM | 申請Citi Rewards | 申請CitI八達通 | 申請Citi Prestige | 申請Citi Clear |
Citi玩電子錢包食迎新操作方法
PayMe為例: 例如2月15日拎咗卡PayMe一次$5,000，3月1日再PayMe一次$5,000咁就達到簽$10,000既條件而又無成本
Interested in apply Citi-bank credit card. but want paper statement instead of e-statement.
Do you know any chance that the paper statement fee can be waived? (not falling into any category of elderly or under 18).
I like to check my statement via paper format. which is a lot clear to me. e-statement is so insecure and not convenient.
I think they needa charge for paper statement now
Hi Mr Miles. I have just applied the Premiermiles from the link in your website. However, I cannot input the referral code – C002989056. Will I also entitled to get the 100 rebate? How to check? Thanks.
The extra is for the application before end of Nov. No such rebate now
新手一問
開卡攞左迎新之後一年cut卡，再等一年開卡可唔可以再攞?
會唔會唔批?
如果可以，邊幾種卡可以用8仔 payme we chat 攞迎新?
可以再攞，會批
prestige 唔夠60萬年薪係咪9成9唔批
起碼要填咗60萬先有機會批
(佢寫咗宴會唔當食肆，但我都唔知佢點分，如果唔當食肆/酒店就只有1%了)。>>>
我有查詢過係可以做到嘅。因為就算一間酒樓都可以有兩部卡機收錢。佢認係食肆嘅merchant no. 只有5812 & 5814如果酒樓幫你刷卡時唔用呢兩個數字開頭嘅卡機就唔會計係2%回贈。
勁！謝謝你分享啊Cheryl
但酒樓staff可能都唔知搵邊部幫你刷喎
Hi Mr Miles,
I did not see any application ref no. in the SMS notification for successful application. Is there other way to apply for the cash coupon? Thanks.
只有用新客申請有reference，申請完卡的頁面會有reference number的。你沒有抄下？
或者查一下email有沒有？