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  Major Terms and Conditions of Credit Card Cardholder / Diners Club Cardmember Agreement
   
  Cardholder/Cardmember agrees to abide by the Terms and Conditions as set out in the relevant Agreement. Cardholder's / Cardmember's attention is drawn, in particular, to the terms and conditions listed below, which terms and conditions are more fully detailed in the relevant Agreement.
   
 
1. Cardholder/Cardmember shall sign on the Card as soon as it is received.
2. Cardholder/Cardmember agrees to keep any personal identification number ("PIN") confidential and to inform the Company if the PIN is known to any other person. Cardholder/Cardmember will indemnify the Company against any losses or liabilities resulting from the PIN being known to any other person.
3. Cardholder/Cardmember is responsible for repaying any outstanding balance on time and is liable for penalty charges if the required minimum payment is not made.
4. In case of default, Cardholder/Cardmember is liable to pay the costs and expenses reasonably incurred by the Company in recovering the debt.
5. If the Cardholder/Cardmember acts fraudulently or with gross negligence, he/she shall be responsible for all losses incurred by the Company.
6. The maximum liability for unauthorised transactions before a Card loss is reported shall be HK$500(excluding cash advance transactions).
7. A statement of account shall be conclusive if the Cardholder/Cardmember fails to report an unauthorized transaction within 60 days from the statement date.
8. The Company has the right to set off any credit balance maintained by the Cardholder/Cardmember with the Company.
9. Principal Cardholder/Cardmember shall be responsible for debts of both the Principal and Supplementary Cards. A Supplementary Cardholder/Cardmember shall only be responsible for debts incurred in using his/her own Supplementary Card.
10. The Company reserves the right to demand immediate repayment.
11. The Cardholder/Cardmember has the right to terminate the Agreement if he or she does not accept any amendment to the Agreement proposed by the Company.
12. Octopus Citibank Credit Card may be used as an Octopus. Use of the Octopus function on the Card shall be subject to the Conditions of Issue of Octopus and/or other terms and conditions laid down by Octopus Cards Limited ("OCL") and/or its affiliates (including Octopus Rewards Limited ("ORL")) from time to time. Each Card is pre-linked to AAVS and such linkage cannot be cancelled (unless terminated together with the Card), or be altered to link with another credit card account. Use of the AAVS function on the Card shall be subject to the Octopus Automatic Add Value Agreement. Upon approval of this application by Citibank, the Cardholder shall also be automatically registered as a member of the Octopus Rewards Programme operated by ORL.