8. Citibank Hong Kong and respective card associations may at our absolute discretion to suspend, deny or stop any transactions for observing the obligation to comply with applicable laws, regulations, subsidiary legislation, court orders, directives, guidelines and/or requirements of courts, regulatory authorities and government authorities (including the Hong Kong Monetary Authority and the Office of Foreign Assets Control of the United States Department of the Treasury) and any policies or guidelines of Citibank or Citigroup Organisation.
9. All matters and disputes are subject to the final decision of Citibank and the respective merchants.
10. In the event of any discrepancy between the English and Chinese versions of these Terms & Conditions, the English version shall prevail.

Terms & Conditions of Points Accumulations and Redemption

1. Cardholders of Citi PremierMiles Card will be awarded 12 Points (1 mile) per HK$8 local transaction posted. Extra Rewards will be awarded when Citi PremierMiles Cardholder reaches total Eligible Transactions (including both local and overseas transactions) of HK$20,000 or above in one statement cycle, he/she will be awarded 12 Points (1 mile) per HK$3 (or equivalent foreign currency) overseas and online foreign currency transactions posted. If the total Eligible Transactions are below HK$20,000, Cardholders can still enjoy 12 Points (1mile) per HK$4 (or equivalent foreign currency) for all eligible overseas and online foreign currency transactions.
2. “Eligible Transactions” exclude, but are not limited to, transactions through Faster Payment System (FPS) services, cash advances, withdrawal amount/loan under the Balance Transfer Program, Cash Conversion Program, “FlexiBill” Installment Program and “PayLite” Installment Program and “Quick Cash” Installment Program, payment to the Inland Revenue Department, online bill payment or utilities bill made with Eligible Card via internet banking or online payment system, insurance transactions and transactions on charity donations/ non-profit organisations (according to the merchant codes issued by Visa, Mastercard Worldwide or UnionPay (as applicable) from time to time), mutual funds payment, fees & charges, casino transactions or unposted /canceled /refunded transactions, other unauthorized transactions and fraud and abuse transactions. Overseas and online foreign currency transactions are defined as transactions settled in currencies except Hong Kong dollar, Renminbi or Macau Patacas (including internet transactions). Citibank will use reasonable endeavors to collect and receive information mentioned in the transaction description as shared by network/transaction processor with Citibank to identify Octopus Add Value Service transactions. Citibank may change the list of ineligible transactions from time to time at its discretion. The decision of Citibank as to what constitutes an ineligible transaction shall be final and conclusive.
3. Citibank reserves the right to change at any time and without prior notice the ratio between Point(s) to be awarded; and the specified amount charged to the Eligible Card account.
4. Unless otherwise specified, all Points earned by the principal and supplementary Cardholders of the same Eligible Card will be accumulated under the principal Cardholder’s account.
5. Unless otherwise specified, only principal Cardholders are eligible for Points Redemption.
6. Points earned on Citi PremierMiles Card are evergreen.
7. Should any transaction in the monthly statement be canceled or refunded for whatever reason, the Points earned in respect to those transactions will be deducted or canceled.

Terms & Conditions of Mileage/Hotel Points Redemption

1. Principal Cardholders can convert his/her Points to miles/hotel points of Cathay, British Airways Executive Club, Etihad Guest, EVA Air Infinity MileageLands, Flying Blue, IHG Rewards Club, Qantas Frequent Flyer, Qatar Airways Privilege Club, Singapore Airlines KrisFlyer, Thai Airways Royal Orchid Plus or Virgin Atlantic Flying Club (each a “Mileage/Hotel Program”) through Citi Mobile® App. Every 12 Points can be converted to 1 mile/hotel point of the Mileage/Hotel Program.
2. Principal Cardholders must convert a minimum of 1,500 Miles/Hotel Points for Cathay, British Airways Executive Club, Etihad Guest, EVA Air Infinity MileageLands, Flying Blue, IHG Rewards Club, Qantas Frequent Flyer, Qatar Airways Privilege Club, Singapore Airlines KrisFlyer, Thai Airways Royal Orchid Plus and Virgin Atlantic Flying Club. A handling fee of HK$200 will be charged per Points Transfer redemption. Principal Cardholder can also redeem Cash Rebate or offset your transactions using Pay with Points through Citi Mobile® App.
3. Principal Cardholders must be a member of the frequent flyers program and the hotel privilege programs and be able to provide a valid membership number of his /her own Mileage Program account when converting Points to miles. Citibank will not accept any liability in relation to any loss incurred due to incorrect information provided by the principal Cardholders.
4. Once the request for redemption is confirmed by Citibank, mileage conversion will be completed in 5 business days for Cathay, British Airways Executive Club, Emirates Skywards, EVA Air Infinity MileageLands, Flying Blue, IHG Rewards Club, Qantas Frequent Flyer, Qatar Airways Privilege Club, Singapore Airlines KrisFlyer or Virgin Atlantic Flying Club and 14 business days for Etihad Guest or Thai Airways Royal Orchid Plus.
5. The program rules of each Mileage Program is subject to change including regulations, policies, benefits, conditions of participation or mileage levels, in whole or in part at any time with or without notice and Citibank does not accept any responsibility in relation thereto.
6. The calculation of spending required to redeem for round trip tickets is based on the below table. Reward flight redemption with Asia Miles or miles are subject to availability. Taxes, fees and carrier charges apply. The mileage information is as of March 2026 and is subject to changes in the respective mileage program.

Terms & Conditions of Complimentary Access to Airport Lounges

1. The principal and supplementary cardholders (“Cardholders”) of the Citi PremierMiles Card can each enjoy 12 complimentary visits to selected Plaza Premium Lounges in a calendar year, provided that Cardholders make local / overseas spending of HK$5,000 per lounge access within 30 days after the date of the lounge access (“Spending Requirement”). The spending of Cardholders will be counted collectively for calculating the complimentary lounge access. For example, if the principal and supplementary cardholders enter the lounge together, the Cardholders are required to collectively meet a total spending of at least HK$10,000 (inclusive of local / overseas eligible spending) within 30 days after the lounge access. If the Cardholders cannot meet the Spending Requirement, they will be charged an entrance fee of HK$250 per cardholder per lounge access. The entrance fee shall be debited from the Cardholder’s Card directly within 3 months from the access date.
2. If a Cardholder exceeds the 12 complimentary visits to selected Plaza Premium Lounges per calendar year, the Cardholders shall pay an entrance fee of HK$250 for each additional access. The entrance fee shall be debited from the Cardholder’s Card account directly within 3 months from the access date.
3. Each accompanying guest shall pay an entrance fee of HK$250 for each access, which will be debited from the Cardholder’s Card directly within 3 months from the access date.
4. All posted transactions conducted by principal and supplementary card(s) are included in the Spending Requirement calculation. Invalid transactions, including but not limited to, withdrawal amount under the Balance Transfer Program, Cash Conversion Program and Citi Credit Card “Quick Cash” Installment Program, “FlexiBill” Installment Program and “PayLite” Installment Program, cash advances, fees and charges, payment to the Inland Revenue Department, casino transactions, online bill payment, insurance transactions and transactions on charity donations/ non-profit organisations (according to the merchant codes issued by Visa, Mastercard Worldwide or UnionPay (as applicable) from time to time), transactions through Faster Payment System (FPS) Service or unposted / cancelled / refunded transactions are excluded.

Terms & Conditions of Free Travel Insurance

1. Free Travel Insurance is valid for travel journey between April 1, 2026 to March 31, 2027 (both dates inclusive). The travel journey must depart on or after April 1, 2026, and be completed on or before March 31, 2027.
2. To be eligible for free travel insurance, (a) either one or more of the following has/have been purchased or settled by the principal cardholder with his/her Citi PremierMiles Card: (1) the in/outward-bound travel tickets to/from Hong Kong; (2) the accommodation cost for the entire journey; (3) the tour package; or (b) in the event that condition (a) above is not satisfied but instead one or more of the items stated in (1), (2) and (3) above has been acquired with points earned by a rewards program, any additional costs (including tax and fuel surcharge and any fees which is required to be paid according to any local requirement (if applicable)) must be paid by the principal cardholder with his/her Citi PremierMiles Card.
3. Principal Cardholder will be entitled for Free Travel Insurance Basic Plan.

4. When submitting claims, Zurich Insurance Company Limited will require Principal Cardholders to provide valid proof of their eligibility.
5. Citibank (Hong Kong) Limited is not the insurance underwriter of the Travel Insurance Basic Plan ("the Policy"). Zurich Insurance Company Ltd.is the insurance underwriter ("the Insurance Underwriter") of the Policy above and is solely responsible for all coverage and compensation. The Insurance Underwriter is not asubsidiary or an affiliate of Citibank (Hong Kong) Limited or Citibank, N.A. or Citigroup Inc. The Policy is part of the credit card feature and Citibank (Hong Kong) Limited shall not be responsible for any matters in relation to the Policy provided. Unless otherwise specified, insurance products are not bank deposits or obligations of, guaranteed or insuredby Citibank (Hong Kong) Limited, Citibank, N.A., Citigroup Inc. or any of their affiliates or subsidiaries, or by any local government agency.
6. This statement is not a policy or contract of insurance. The original policy is on file at the office of Citibank (Hong Kong) Limited. Final decisions will be made in accordance with original policy. For insurance details, please refer to the Factsheet of Travel Insurance Basic Plan . For claims enquiry, please call Zurich's Customer Services Hotline at 2903 9482. Citibank (Hong Kong) Limited and its Insurance Underwriter reserve the right to make the final decision on all claims.