The smartest way to buy the new iPhone
The smartest way to buy the new iPhone
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September 28 • 3 min read

語言: 廣東話

Apple introduced three new iPhones this year - the iPhone 11, 11 Pro and 11 Pro Max. The upgraded features include ultra-wide-angle lens, night mode and 4K 60fps video recording… and they’re pretty expensive!

It goes without saying that you should ideally have saved up for this but if you’re dead set on buying, we’ve done some hard work in figuring out how you can save the most money.

In short:

  1. Do NOT buy with cash
  2. Use either the PrimeCredit EarnMORE UnionPay Card or the Citibank Cash Back card (if you don’t have these cards already!)

PrimeCredit EarnMORE UnionPay Card x CMK: save up to $2,150

PrimeCredit has a deal with CMK where you get between $300-$1100 cash rebate depending on how much you spend. Note: this assumes you are a new customer for PrimeCredit (making you eligible for the welcome offer and 2% cash rebate).

iPhone ModelRetail PriceCalculationTotal
iPhone 11 128GB$6,500$300 CMK offer
+ $500 EarnMORE Welcome Offer (but you’ll need to spend another $2,000 in 3 month from card issuance date)
+ $300 for successful application via Planto
+ $130 due to 2% cash-back = $1,230 cash rebate
19% off
iPhone 11 Pro 256GB$9,900$700 CMK offer
+ $500 EarnMORE Welcome Offer
+ $300 for successful application via Planto
+ $198 due to 2% cash rebate = $1,698 cash rebate
17% off
iPhone 11 Pro Max 256GB$12,500$1,100 CMK offer
+ $500 EarnMORE Welcome Offer
+ $300 for successful application via Planto
+ $250 due to 2% cash rebate = $2,150 cash rebate
17% off

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Citi Cash Back Visa Card x Fortress: save up to HK$1,675

Similar to the PrimeCredit offer, Citibank has a deal with Fortress where you get between $150-$500 off depending on how much you spend. Do note this is only for the first 35,000 card-holders to avail this offer (Citibank hasn’t disclosed how many have already been availed!). Also note that this assumes you are a new customer for Citibank (making you eligible for the welcome offer)

iPhone ModelRetail PriceCalculationTotal
iPhone 11 128GB$6,500$300 Fortress offer
+ $1,000 Citi Welcome Offer (but you’ll need to spend another $3,500 in 2 months)
+ $50 if you use Apple Pay
+ $65 due to 1% cash-back = $1,415 cash-back
22% off
iPhone 11 Pro 256GB$9,900$400 Fortress offer
+ $1,000 Citi Welcome Offer (but you’ll need to spend another $100 in 2 months)
+ $50 if you use Apple Pay
+ $99 due to 1% cash-back = $1,549 cash-back
15% off
iPhone 11 Pro Max 256GB$12,500$500 Fortress offer
+ $1,000 Citi Welcome Offer
+ $50 if you use Apple Pay
+ $125 due to 2% cash-back = $1,675 cash-back
13% off

Besides the above, you can also get an extra $100 if you buy through Fortress’ eShop by paying with points to offset $200 of spending - but that’s a bit complicated. We think it’s better to keep it simple.


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