* All welcome offers are only applicable for New Citibank Credit Card Customers. New Citibank Credit Card Customers (New Customers") are defined as applicants who do not currently hold and/or in the past 12 months have not been successfully approved for or cancelled any Principal Citibank Credit Card, Citibank Cobrand Card, Citibank Private Label Card or Diners Club Card issued by Diners Club International (HK) Limited ("Diners").

^ Citibank Credit Card "Dial-a-Check" Welcome Offer ("This Offer") is not applicable if applicants currently hold and/or in the past 12 months have successfully applied for or cancelled any Principal Citibank Credit Card, Citibank Cobrand Card, Citibank Private Label Card, Diners Club Card, Citibank Personal Loans or Citibank Ready Credit. Calculation method for Monthly Fee per day as low as HK$0.72 (using 0.22% as preferential Monthly Rate, HK$10,000 as loan amount and 12 months as repayment period): HK$10,000 (loan amount) x 0.22% (preferential Monthly Rate) x 12 (repayment period) / 365 days (12 months repayment period) = HK$0.72 (Monthly Fee per day). This is an example for illustration only. Actual fee may differ.

+ Net transaction amount after discount will be rounded up to the nearest dollar.

++ Citibank I.T Platinum Cardholders and Citibank I.T Classic Cardholders can enjoy upto 20X and 10X Points respectively for every HK$1 spent throughout the birthday month at I.T and its affliliated shops (Not applicable to shops at YATA and Citistore). For further details of the Birthday Surprise, please refer to the eDM which will be sent to cardholders in the birthday month and shop staff. All matters and disputes will be subject to the final decision of Citibank and the Merchant.

Term and Conditions for "2X Rewards Points" Program for I.T Platinum cardholders ("This Program"):

1. Unless otherwise specified, This Program applies to principal and supplementary cardholders ("Cardholders") of Citibank I.T Platinum Card issued by Citibank (Hong Kong) Limited ("Citibank") ("Eligible Card").
2. This program is valid from now (based on the transaction date) until further notice.
3. To enjoy the offer of 2X Rewards Points Program ("2X Program"), Cardholders must make qualified transactions as stipulated in clause 5 below during This Program with Eligible Card at I.T or its affiliated shops during the Promotion Period ("Qualified Transactions"). All Qualified Transactions are entitled to 2X Rewards Points for which 2 rewards points will be rewarded for every transaction of HK$1, basic spending reward of 1 rewards point is included. Qualified Transactions made by both Principal and Supplementary Cardholder(s) of the same Eligible Card account are counted collectively in calculating the rewards points.
4. Extra rewards points will be calculated according to every statement period and credited to the Eligible Card account in the next statement.
5. Qualified Transactions include only authorized local retail transactions made at I.T or its affiliated shops during the Promotion Period (Not applicable to shops at YATA and Citistore). Any unposted / cancelled / refunded / falsified / unauthorized transactions and interest-free installment plan are excluded.
6. Any transaction that is found fraudulent, un-posted, eventually cancelled or refunded will result in forfeiture of a Cardholder's eligibility to participate in This Program as well as cancellation of the rewards. Citibank further reserves the right to charge the equivalent value of the rewards and debit from the card account directly without prior notice and/or take legal action in such instances.
7. Cardholders are required to settle payment with Eligible Card in order to enjoy the Offer. Unless otherwise specified, Offer cannot be used in conjunction with other special promotion or discounts or promotional coupons or exchange for cash.
8. Availability of the offer is subject to account status checking and final acceptance by Citibank absolute discretion.
9. Citibank shall not be responsible for any matters in relation to the related products or services. The respective merchant is solely responsible for all obligations and liabilities relating to such products or services and all auxiliary services.
10. Citibank Rewards Program Terms and Conditions apply for all Rewards Points related offers. For details, please visit www.citibank.com.hk/global_docs/rewards/eng/tnc.htm.
11. Citibank reserve the right to amend the terms and conditions without prior notice.
12. All matters and disputes are subject to the final decision of Citibank.
13. In the event of any discrepancy between the English and Chinese versions of these terms and conditions, the English version shall prevail.

If you are holding Citibank I.T Classic Card, your existing Card will be converted to a similar card product accordingly. Your existing Citibank Card account will be cancelled upon the application approval. The total outstanding balance of your existing Citibank Credit Card will be transferred to your new Card account without affecting the services you enjoy from Citibank. If you are using your existing Citibank Credit Card to settle the payment of utilities or services bills such as water, electricity and gas, please notify these merchants and/ or utility companies to re-arrange autopay instruction upon receiving your new Citibank Credit Card.

Citibank (Hong Kong) Limited may not accept the application of your Citibank I.T Platinum Card in view of applicant's individual circumstances. Similar product may be offered with corresponding welcome offer (if applicable), for details, please refer to clauses 10 &; 11 of the "Welcome Premium Terms and Conditions". Relevant terms and conditions apply. The approval will be subject to the final decision of Citibank (Hong Kong) Limited. Citibank (Hong Kong) Limited will make the corresponding arrangement for you.

Minimum annual salary of HK$150,000 and HK$60,000 is required for Citibank I.T Platinum Card and Citibank I.T Classic Card applications respectively. If the income proofs cannot be provided, please provide other income/deposit proofs.