Compare annual fees and issuer-sourced benefits, then open a calculator to value the perks you expect to use.
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Citi lists HK$3,800 as the principal card annual fee. Its current welcome terms require the first-year fee to be paid.
Frequent travellers who use premium travel credits
The published annual fee is HK$9,500. This seed does not assume a fee waiver.
Everyday spenders who want travel rewards
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Year 1Include only a welcome offer you are eligible for and expect to redeem.
Ongoing yearsCompare recurring benefits with the standard renewal fee, not a temporary promotion.
Your valuationCount a perk at the amount you expect to realize; published estimates are not cash or guaranteed savings.