Credit cards are no longer the luxury financial tool they were thought to be before. They are so essential now that they are how most people manage to meet their daily expenses. Today, there is a credit card for nearly every financial need.

And with the number of cards available always rising, each card has different perks to attract users. with that, the likes of Citi Clear Card are certainly not going to be left behind. This card has basic perks that can turn heads as well.

With cash rebates and discounts on numerous items, you have to take a look. The good thing is they also provide perks for students applying for the card. To find out more about these rewards, check below.

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Benefits Of The Citi Clear Card

One of the features of the Citi Clear Card is the welcome offer of HK$800 in the form of a supermarket cash coupon. You earn this by spending at least HK$10,000 within the first 60 days of opening the card. Students also aren’t left behind as they get an HK$200 cash rebate for accumulated spending of HK$2,500 within the first 60 days of opening the card.

Users also get up to a 2% cash rebate on online foreign currency spending. You also 0.4% cash rebate on another spending as well. Further, you get priority booking for entertainment shows in Hong Kong.

Do You Want To Apply For This Card?

To have this card, you have to meet certain criteria, one of them being age. You have to be at least 18 years old. You also have to be earning at least HK$ 60,000 annually. Luckily, you can be a student and still apply for this card, but you have to be a full-time student at accredited universities in Hong Kong.

Further, you also have to produce supporting documents that verify all of the information above. First, you’ll have to produce a signed HKID copy. Your latest month’s salary is also required, but you can give a computerized copy of your last payslip. For those who are self-employed, you’ll have to produce a personal tax assessment.

To apply for the card, you can visit the Citi Bank website, fill in the relevant information, and wait for your approval to go through. The bank, however, reserves the right to either approve or reject your application. It may take a day, at most, for you to know if your application is accepted or not.

Perks For Students

The stand out feature of the card has to be the offers for students. This is because student gets numerous discounts and great rebates as well. Some of these include the following.

  • 10% off 4DX movie tickets at Citi Studio
  • 2% cash rebate on online expenditures
  • On concession items, there’s a 10% discount with the Citi Clear Card
  • 20% off at EF English Centers for a 1-month integrated English course
  • 0.4% worth of cash rebates for local and foreign expenditure

Details To Consider

There are some clear cut fees that apply with most credit cards. These are the charges that you likely know about. However, there may be other fees that also apply, though you have to ask the bank about them.

Here are some fees and charges associated with Citi Clear Card.

  • The annual principal fee is set at HK$180
  • The annual interest rate of the card is set at 35.52%
  • A late payment will cost you at least HK$250
  • For foreign currency transactions, there’s 1.95% fee of the transaction
  • Cash advances are charged a 4% fee of the borrowed amount
  • Overlimit fee of HK$180

Citi Bank Contact Info And Address

If you want to contact someone at the bank, there’s an all-year-round 24/7 customer support line reachable at 2860 0333. The banks’ address is 10/F Citi Tower, One Bay East 83 Hoi Bun Road, Kwun Tong, Kowloon, Hong Kong.

Citi clear card
Image source: thebalance.com

Conclusion

With the Citi Clear Card, you have both a student card and a normal card which makes it easy for students to know which one to pick. Students get a different set of rewards as opposed to the earning class. With cash rebates being offered, as well as discounts, this card can help you spend smart.

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