WeChat Pay HK

1. This Promotion is organized by Citibank (Hong Kong) Limited ("Citibank") and WeChat Pay Hong Kong Limited (“WeChat Pay Hong Kong”) and is governed by the laws of Hong Kong.
2. The promotion period is from February7, 2026 to June28, 2026 (both dates inclusive) (“Promotion Period”). All Eligible Transactions (based on transaction dates, as defined in Clause 5 must be conducted during the Promotion Period.
3. Unless otherwise specified, rewards under this Promotion are only applicable to cardholders ("Cardholders") of Citi Mastercard Credit Cards and other Citi Credit Cards issued by Citibank in Hong Kong (“Eligible Cards”).
4. Cardholders are required to settle payment of their Eligible Card(s) in full of during the Promotion Period to enjoy the Instant Discount Reward (as defined in Clause 29) and Spending Reward (as defined in Clause 34). For the avoidance of doubt, the Rewards are not applicable to the following types of transactions: any transactions that are subject to cancellation, charge-back, return of goods and/or refund; any autopay, unposted transactions or any other payment transactions as specified by Citibank from time to time;, reloads of e-Wallet or Octopus Automatic Add-Value Service; or any other type of transaction as determined by Citibank from time to time.
5. “Eligible Transaction(s)” refers to the designated posted Chinese Mainland offline and online transaction(s) made in Hong Kong Dollars (excluding money transfer, red packet transfer, top-up for any stored value facilities, payments via Utilities and Telecom Payment, charity donation and cross-border remittance) with an Eligible Card via WeChat Pay HK during the Promotion Period.
6. Designated Merchants refer to Chinese Mainland merchants that accept payments via WeChat Pay HK (merchant list to be determined by WeChat Pay Hong Kong at its sole and absolute discretion and updated from time to time) (“Designated Merchants”). For the avoidance of doubts, all cross-border transaction via WeChat Pay HK will be automatically settled in Hong Kong Dollars. For any enquiries about Designated Merchants, please contact WeChat Pay Hong Kong Customer Service Line at 3929 1666.
7. “WeChat Pay HK” is a mobile-based stored value facility, managed and operated by WeChat Pay Hong Kong.
8. Citibank will determine the eligibility of Cardholders to participate in this Promotion, as well as the transactions based on Citibank’s internal records.
9. In the event of any fraud/abuse/reversal or cancellation of transactions in respect of which the Rewards were awarded, Citibank reserves the right to deduct from the Cardholder’s Eligible Card account(s) or (as the case may be) bank accounts the equivalent amount of the Rewards without prior notice.
10. If a Cardholder breaches these terms and conditions or engages in illegal, fraudulent, or abusive behavior to obtain and/or use the rewards hereunder, or if any Cardholder engages in behavior that affects the fair participation of the other participants in this Promotion, WeChat Pay Hong Kong reserves the rights to immediately forfeit such Cardholder’s eligibility of participating in this Promotion and/or obtaining (if obtained) and/or the use of the relevant Rewards without prior notice.
11. Cardholders’ Eligible Card accounts must be valid and with good credit record at the time of receiving the Rewards and during the Promotion Period in order to be eligible to receive the Rewards, otherwise Citibank reserves the right to forfeit the Rewards without prior notice.
12. Cardholders participating in this Promotion must be WeChat Pay HK users and maintain their WeChat Pay HK accounts in normal and good standing. If their WeChat Pay HK accounts are in abnormal, account protection, or restricted status during the Promotion Period or upon distribution or use of the Rewards under this Promotion, it shall be deemed that the relevant Cardholders are not eligible to participate in this Promotion and receive the relevant Rewards and have forfeited their rights to use those Rewards.
13. During the Promotion Period, each Cardholder can participate in this Promotion once only. To avoid any dispute, in the following circumstances, the relevant WeChat Pay HK accounts will be deemed to be used by the same WeChat Pay HK user (i.e. the same Cardholder) when there is:
(a) Logging in of multiple WeChat Pay HK accounts on the same mobile phone or mobile device; or
(b) Logging in of the same WeChat Pay HK account with multiple mobile phones or mobile devices; or
(c) The same credit card or bank account number being linked to multiple WeChat Pay HK accounts.
In the case of any of the above, WeChat Pay Hong Kong reserves the right to suspend or terminate the release of any rewards to the relevant WeChat Pay HK accounts and to take any legal action to recover loss(es) that it deems fit.
14. Generally, only one reward (including the instant discount and e-cash voucher ) can be used for each transaction conducted with WeChat Pay HK. If there are multiple rewards that can be used in a transaction, the WeChat Pay HK system will automatically use the reward with the higher value first. If there are multiple rewards with the same value that can be used in a transaction, the WeChat Pay HK system will automatically use the reward with the earliest expiration date first.
15. Cardholders must keep and submit the relevant original credit card sales slips and original merchant sales receipts and/or other documents in respect of Eligible Transactions for inspection upon request by Citibank. All documents submitted to Citibank will not be returned.
16. Where a refund after payment is completed,
(a) in the case of a full refund (as agreed between the Cardholder and the relevant merchant), the relevant reward that has been used will be reissued with its validity period and conditions of usage unchanged. If the relevant reward has expired at the time of successful refund, they cannot be used again and will not be reissued;
(b) in the case of a partial refund (as agreed between the Cardholder and the relevant merchant), the relevant reward that has been used will not be reissued.
Please contact the relevant merchant directly for a refund. WeChat Pay Hong Kong will not intervene in any refund arrangements and does not guarantee and is not responsible for the performance or quality of products/services provided by the relevant merchant.
17. Unless otherwise specified, this Promotion cannot be used in conjunction with other special promotions, discounts, or promotional coupons, nor transferred or exchanged for cash or other offers.
18. Availability of the Rewards are subject to offer or service availability, account status checking and final acceptance by Citibank and WeChat Pay Hong Kong’s absolute discretion. Photos, product specifications and prices are for reference only.
19. Citibank shall not be responsible for any matters in relation to the related products or services provided by WeChat Pay Hong Kong. WeChat Pay Hong Kong is solely responsible for all obligations and liabilities relating to such products or services and all auxiliary services.
20. The Rewards received from this Promotion cannot be used to settle any previous outstanding balances, withdrawn as cash advance, nor transferred or exchanged for cash or other offers.
21. Availability of the Rewards is subject to offer quota or service availability, account status checking and final acceptance by Citibank and WeChat Pay Hong Kong at their absolute discretion.
22. Cardholders shall be deemed to have accepted any risks and liabilities in whatsoever nature associated with the services / auxiliary services supplied by Citibank and WeChat Pay Hong Kong, and shall waive any claim against by Citibank and WeChat Pay Hong Kong in relation to such risks and liabilities when Cardholders make the relevant transactions.
23. Citibank and WeChat Pay Hong Kong will carry out this Promotion in accordance with applicable laws in Hong Kong. In the event this Promotion is stopped by government agency’s orders or must be suspended due to server network attack or system failure or any circumstances beyond Citibank’s and WeChat Pay Hong Kong’s control, such event shall be regarded as a force majeure event, and Citibank and WeChat Pay Hong Kong shall not be liable for any damage, loss or dispute therein.
24. By participating in this Promotion, the Cardholders accept and agree to be bound by the terms and conditions of this Promotion, and agree that WeChat Pay Hong Kong may use his or her personal data for the purpose of this Promotion in accordance with WeChat Pay Hong Kong’s Privacy Policy available on https://hkwallet.moneydata.hk/hkwalletv3/agreement/agreement_privacy_policy.html
25. Citibank and WeChat Pay Hong Kong reserve the right to amend the terms & conditions or to terminate this Promotion at any time without prior notice. For all matters and disputes related to this Promotion, the decision of Citibank and WeChat Pay Hong Kong will be final and conclusive. For any enquiries about this Promotion, please contact WeChat Pay Hong Kong Customer Service Line at 3929 1666.
26. This Promotion is subject to other applicable terms and conditions of WeChat Pay Hong Kong, please contact WeChat Pay Hong Kong for details.
27. In the event of any discrepancy between the English and Chinese versions of these terms & conditions, the English version shall prevail.
28. The referenced document provides information about, and access to accounts and financial services provided by Citibank (Hong Kong) Limited and Citibank, N.A. Hong Kong Branch in Hong Kong. It does not, and should not be construed as, an offer, invitation or solicitation of services to individuals residing outside of Hong Kong. This reference document is not intended for distribution to, or use by, any person in any country where such distribution or use would be contrary to local law or regulation, and none of the services or investments referred to in this referenced document are available to persons resident in any country where the provision of such services or investments would be contrary to local law or regulation.


Reward 1: Instant discounts of over HK$60 for purchases at designated Chinese Mainland merchants (“Instant Discount Reward”) Terms and Conditions
29. During the Promotional Period, Cardholders with an Eligible Card linked to WeChat Pay HK (“Eligible Cardholders”) who spend a designated amount in a single Eligible Transaction at Designated Merchants in Chinese Mainland (as defined in Clause 6) on any Saturday and/or Sunday, are automatically eligible to enjoy the instant discount offers(“Instant Discounts Reward”). Details are as follows:
i) Each Eligible Cardholder with Citi Mastercard Credit Cards can get HK$20 Instand Discount Reward upon spending HK$200 or above with a maximum of two(2) times during the Promotional Period.
ii) Each Eligible Cardholder with Other Citi Credit Cards can get HK$12 Instand Discount Reward upon spending HK$200 or above with a maximum of two(2) times during the Promotional Period.
iii) Merchants which accept payments via WeChat Pay HK in Chinese Mainland (merchant list to be determined by WPHK at its sole and absolute discretion from time to time)
30. The HK$20 Instant Discount and HK$12 Instant Discount Reward will collectively be called “Instant Discount Reward” hereunder.
31. During the Promotion Period, each Eligible Cardholder can only enjoy each Instant Discount of the Instant Discount Reward a maximum of two (2) times respectively, i.e. a maximum of HK$ 64 in Instant Discounts in total.
32. The Instant Discount Reward is subject to a daily quota limit and is offered on a first-come-first-served basis while quota lasts without prior notice. The available quota of the Instant Discount Reward as recorded in the system of WeChat Pay Hong Kong shall prevail under any circumstances.
33. Eligible Cardholders are not required to redeem any in advance or to show any offers when enjoying the Instant Discount Reward, the Instant Discounts will be deducted automatically under applicable circumstances and will be shown as used on the payment completion page of WeChat Pay HK. Citibank and WeChat Pay Hong Kong shall bear no liability if any Eligible Cardholders cannot enjoy any Instant Discount under the Instant Discount Reward due to any circumstances.



Reward 2: Enjoy up to HKD$200 e-cash vouchers at top 10 Chinese Mainland merchants (“Spending Reward”) Terms and Conditions
34. During the Promotion Period, Cardholders with an Eligible Card linked to WeChat Pay HK (“Eligible Cardholders”) can collect Citi Credit Card Exclusive E-cash Vouchers (“E-cash Vouchers”) on the designated promotion page on any Saturday and/or Sunday. The E-cash Vouchers are automatically redeemed when making a single Eligible Transaction* (as defined below) at designated merchants in Chinese Mainland (“E-cash Vouchers Designated Merchants”) with Eligible Card (“Spending Reward”). Details as follows:
i) Each Eligible Cardholder with Citi Mastercard Credit Cards can get HK$30 E-cash Voucher upon spending HK$300 or above with a maximum of four (4) times during the Promotion Period. ii) Each Eligible Cardholder with other Citi Credit Cards can get HK$20 E-cash Vouhcer upon spending HK$200 or above with a maximum of four (4) times during the Promotion Period .
iii) E-cash Vouchers Designated Merchants include Taobao, Pinduoduo, JD.com, Meituan, Douyin, Didi, Ctrip, 12306 China Railway , Qunar, Tongcheng Travel.


35. The HK$30 E-cash Voucher and HK$20 E-cash Voucher will collectively be called the “E-cash Vouchers” hereunder.
36. During the Promotional Period, each Eligible Cardholder can enjoy the HK$30 E-cash Voucher and HK$20 E-cash Voucher a maximum of four (4) times respectively, i.e. a maximum of HK$ 200 in E-cash Vouchers in total (“E-cash Voucher Quota”).
37. The Spending Reward is subject to a daily quota limit and is offered on a first-come-first-served basis while quota lasts without prior notice. The available quota of the Spending Reward as recorded in the system of WeChat Pay Hong Kong shall prevail under any circumstances.
38. After Eligible Cardholders collect the E-cash Vouchers under the Spending Reward via WeChat Pay HK during the Promotion Period, the E-cash Vouchers will be automatically distributed to the WeChat Pay HK accounts of the Eligible Cardholders. Eligible Cardholders can view the details of E-cash Vouchers in “My Rewards” under “Offers” of their WeChat Pay HK account.
39. Eligible Cardholders can only claim one HK$30 E-cash Voucher and one HK$20 E-cash Voucher respectively each time. Eligible Cardholders can continue to claim the E-cash Vouchers until they have used all eight (8) e-cash vouchers and reached the E-cash Voucher Quota. For the avoidance of doubt, Eligible Cardholders can only collect new E-cash Vouchers after the collected E-cash Vouchers from the last time are redeemed or expired.
40. Only one E-cash Vouchers rewarded under this Promotion will be deducted automatically per transaction in applicable circumstances and will be shown on the payment completion page of WeChat Pay HK. Each E-cash Vouchers is valid for five (5) days from the date of issuance, for any E-cash Vouchers that has not been used after the expiry date will automatically become invalid and will not be reissued. Citibank and WeChat Pay Hong Kong shall bear no liability if Cardholders cannot perform a successful redemption of the Welcome E-Cash Voucher and/or the Welcome E-Cash Voucher is lost due to any circumstances.