CITIGOLD WELCOME GIFT

Earn HK$3,000
by joining Citigold.
Double the reward by
subscribing to designated
investment products.

Earn HK$3,000 by joining Citigold. Double the reward by subscribing to designated investment products.

Citigold Banking - Banking Account

As your dedicated wealth management partner, Citigold always put you in the center of everything we do. We strive to assist you in capturing every opportunity to grow your wealth with a wide range of investment solutions. Open your account and start a gold conversation with Citigold now.

  • Open stock trading account to access the latest Thomson Reuters professional stock analysis

    Open stock trading account to access the latest Thomson Reuters professional stock analysis

    And enjoy up to a

    lifetime fee waiver on HK stock purchases

  • Gain complete control over your portfolio with "Total Wealth Advisor"

    Gain complete control over your portfolio with "Total Wealth Advisor"

    Open your account and transfer in mutual fund now to enjoy up to 5% p.a. time deposit

  • Open stock trading account to access the latest Thomson Reuters professional stock analysis

    Open stock trading account to access the latest Thomson Reuters professional stock analysis

    And enjoy up to a lifetime

    fee waiver on HK stock purchases

  • Gain complete control over your portfolio with "Total Wealth Advisor"

    Gain complete control over your portfolio with "Total Wealth Advisor"

    Open your account and transfer in mutual fund now to enjoy up to 5% p.a. time deposit

  • Call Citigold Account Opening Hotline at (852) 2860 0220 (852) 2860 0220.
  • Apply online to enjoy an extra offer of
    HK$200 shopping coupon                      
    APPLY NOW
  • Apply online to enjoy an extra offer of HK$200 shopping coupon
  • Call Citigold Account Opening Hotline at
    (852) 2860 0220
    (852) 2860 0220
    .
Welcome Offers

Apply now to enjoy:

Citigold Banking Double-up offer
New funds offer Investment Balance Offer
Amount (HK$) Cash Rebate (HK$) Designated Product Balance (HK$) Cash Rebate (HK$)
≥ $4,000,000 $5,000 ≥ $300,000 $3,000
≥ $1,500,000 $3,000
Citigold Banking Double-up offer
New funds offer Investment Balance Offer
Amount (HK$) Cash Rebate (HK$) Designated Product Balance (HK$) Cash Rebate (HK$)
≥ $4,000,000 $5,000 ≥ $300,000 $3,000
≥ $1,500,000 $3,000

More fabulous offers await you:

Bonus Offer — Maintain Funds for 1 Year to earn up to HK$1,300 Cash Rebate

Bonus Offer — Maintain Funds for 1 Year to earn up to HK$1,300 Cash Rebate

Maintaining Funds Amount
(HKD or equivalent)
Extra Cash Rebate (HK$)
≥ $4,000,000 $1,300
≥ $1,500,000 $1,000
Payroll Account Offer — Up to HK$1,200 Cash Rebate

Payroll Account Offer — Up to HK$1,200 Cash Rebate

Monthly Salary (HK$) Cash Rebate (HK$)
≥80,000 $1,200
≥50,000 $1,000
≥30,000 $800
Mortgage Offer HK$6,000 additional cash rebate

Mortgage clients who successfully open Citigold accounts can enjoy HK$6,000 additional cash rebate

New Funds Amount (HK$) Additional Cash Rebate
≥$1,500,000 HK$6,000
Exclusive Loan Offer for Citigold clients with APR as low as 1.48%, while new Citigold clients who successfully apply for loans can also enjoy a HK$1,000 Cash Rebate

Exclusive Loan Offer for Citigold clients with APR as low as 1.48%, while new Citigold clients who successfully apply for loans can also enjoy a HK$1,000 Cash Rebate

Bonus x2 Lucky Draw:

Bonus x2 Lucky Draw

New Citigold clients are entitled to the Bonus x2 Lucky Draw upon opening Payroll Account. Get a chance to win your salary bonus amount and double your bonus!

Bonus Offer — Maintain Funds for 1 Year to earn Up to HK$1,300 Cash Rebate

Bonus Offer — Maintain Funds for 1 Year to earn up to HK$1,300 Cash Rebate

Tax Season Loan APR as low as 1.00%

Payroll Account Offer — Up to HK$1,200 Cash Rebate

Mortgage Offer HK$6,000 additional cash rebate

Mortgage clients who successfully open Citigold accounts can enjoy HK$6,000 additional cash rebate

Exclusive Loan Offer for Citigold clients with APR as low as 1.48%, while new Citigold clients who successfully apply for loans can also enjoy a HK$1,000 Cash Rebate

Exclusive Loan Offer for Citigold clients with APR as low as 1.48%, while new Citigold clients who successfully apply for loans can also enjoy a HK$1,000 Cash Rebate

Bonus x2 Lucky Draw:

Bonus x2 Lucky Draw

New Citigold clients are entitled to the Bonus x2 Lucky Draw upon opening Payroll Account. Get a chance to win your salary bonus amount and double your bonus!

Investment Privileges
Thomson Reuters professional stock analysis

Thomson Reuters professional stock analysis

World Class Market Insights

Thomson Reuters stock analysis and report allow you to obtain investment ideas efficiently

Thomson Reuters Broker Rating

Broker Rating

Thomson Reuters Stock Average Score Trend

Stock Average Score Trend

Thomson Reuters Stock Reference Target Price

Stock Reference Target Price

All-in-one Platform

Stay tuned to the latest market info and trade instantly in Citibank Online / Citi Mobile®

Open your account now to enjoy
up to a lifetime fee waiver on HK stock purchases

Total Wealth Advisor

"Total Wealth Advisor"

Complete Control

You will be able to tracks the performance of your portfolio online anytime, anywhere

Goal-based

Be a step ahead in achieving your goals with our tailor-made investment portfolio dedicated to your needs

Intuitive

Provides intuitive reports for you to understand your portfolio P&L at a glance

Open your account and transfer in mutual fund now to enjoy up to 5% p.a. time deposit

Thomson Reuters professional stock analysis

Thomson Reuters professional stock analysis

World Class Market Insights

Thomson Reuters stock analysis and report allow you to obtain investment ideas efficiently

Thomson Reuters Broker Rating

Broker Rating

Thomson Reuters Stock Average Score Trend

Stock Average Score Trend

Thomson Reuters Stock Reference Target Price

Stock Reference Target Price

All-in-one Platform

Stay tuned to the latest market info and trade instantly in Citibank Online / Citi Mobile®

Open your account now to enjoy up to a lifetime fee waiver on HK stock purchases

Total Wealth Advisor

"Total Wealth Advisor"

Complete Control

You will be able to tracks the performance of your portfolio online anytime, anywhere

Goal-based

Be a step ahead in achieving your goals with our tailor-made investment portfolio dedicated to your needs

Intuitive

Provides intuitive reports for you to understand your portfolio P&L at a glance

Open your account and transfer in mutual fund now to enjoy
up to 5% p.a. time deposit

Citigold Exclusive Privileges – Banking Services

Citigold® Exclusive Privileges

Citigold Network – Banking Services

Citigold® Network

  • Citigold Exclusive Privileges – Banking Services

    Citigold® Exclusive Privileges

  • Citigold Network – Banking Services

    Citigold® Network

  • Member-Get-Member Program

  • Citi Mobile® the No.1 Stock Trading Platform* A New Era to Stock Trading

Terms & Conditions:Terms & Conditions:

General Terms & Conditions:

  • All offers are not applicable to U.S. persons, except deposit interest rate.
  • Welcome offers including New funds offer, Payroll account offer, Investment Balance Offer, The continuous HK stock buy fee waiver offer and Credit card welcome offer are not applicable to Citibank staff.
  • Unless otherwise specified, all offers are not eligible for overseas clients (with an overseas correspondence address).
  • For joint accounts, only one offer will be given to the Primary Account Holder.
  • The Bank reserves the right to claim for the refund of the gift should the new account be closed/downgraded within 6 months from the date of account opening, or the new client’s “Average Daily Combined Balance” falls below the minimum balance requirement within 6 months from the date of account opening. The gift value will be debited from the client’s account at the time of account closure or downgrade, or 1 month from the first day the account balance falls below the required level whichever is earlier.
  • If the new client closes all of his/her accounts within 6 months from his/her account opening date, an account closure fee of HK$500 (or equivalent) will be charged.
  • The Bank reserves the right to amend the above Terms and Conditions from time to time and is entitled at any time without any liability in any manner whatsoever to alter the program without prior notice. Should there be any dispute, the Bank’s decision will be final.
  • Welcome Offers cannot be used in conjunction with other special promotions, discounts or promotional coupons, nor be transferred or exchanged for cash or other offers.
  • The English version of these Terms and Conditions shall prevail wherever there is a discrepancy between the English and the Chinese versions.

Terms & Conditions of Welcome Offers:

  1. Unless otherwise specified, the Promotion Period is valid from January 1 to March 31, 2017, inclusive of both dates (“Promotion Period”).
  2. All welcome offers are not applicable to existing banking clients of the Bank and clients who had a banking relationship with the Bank in the last 12 months.
  3. Citigold is exclusive for clients who maintain the “Average Daily Combined Balance” of HK$1,500,000 or above, otherwise we reserve the right to convert his/her Citigold account to a Citi Priority or Citibanking account. Should the “Average Daily Combined Balance” fall below HK$1,000,000 for 3 consecutive months, a monthly service fee of HK$300 will be charged (the monthly service fee for International Personal Banking clients is HK$500 or equivalent). For the fees of individual services, please refer to the latest service fee guide.
  4. The minimum requirement for Citi Priority account opening is HK$500,000. Citi Priority clients need to maintain the “Average Daily Combined Balance” of HK$500,000 or above, and will be eligible for monthly service fee waiver. Should the “Average Daily Combined Balance” fall below the minimum balance requirement for 3 consecutive months, a monthly service fee of HK$120 will be charged. For the fees of individual services, please refer to the latest service fee guide. A year of monthly service fees (12 months from the account opening date) will be waived for Citi Priority payroll clients with new funds of HK$200,000 or above and a salary of HK$50,000 or above. During the service fee waiver period, clients are required to deposit their salary of HK$50,000 or above every month, otherwise the Bank reserves the right to claim for a refund of the monthly service fee. A monthly service fee of HK$400 will apply to all International Personal Banking Citi Priority clients, irrespective of the clients’ "Average Daily Combined Balance".
  5. Citibanking clients who maintain an Average Daily Combined Balance of HK$10,000 or above (or equivalent) for the previous month will enjoy a waiver of HK$60 (or equivalent) monthly service fee. Service charges for certain products apply. A monthly service fee of HK$400 will apply to all International Personal Banking Citibanking clients, irrespective of the clients' "Average Daily Combined Balance".
  6. The “Average Daily Combined Balance” is calculated based on the sum of your daily balances of deposit, investment and accumulated paid premium of selected insurance products of all your single name account(s) and joint name account(s), divided by the number of calendar days in the month. Selected insurance products mean insurance policy(ies) with savings element or investment-linked insurance.
  7. Terms and Conditions for "Up to a lifetime fee waiver on stock purchases" Program:
    • The “Up to a lifetime fee waiver on stock purchases” Program (the “Program”) is only applicable to clients who do not have a Step-up Interest Account (“Non-payroll Clients”) with Citibank (Hong Kong) Limited (the “Bank”). Non-payroll Clients have to open a new securities account (“New Clients”) from January 1, 2017 to March 31, 2017 (the “Promotion Period”) and must not have cancelled or held any sole or joint securities account with the Bank within the past 12 months, in order to enjoy the Program.
    • New Clients can enjoy brokerage fee waiver for all buy trades of Hong Kong stocks (the "Brokerage Fee Waiver") carried out via our Dedicated Trading Hotline, Citibank Online or Citibank Mobile Securities Services (where applicable) from the date of account opening if the below requirements are fulfilled:
      1. New Clients must have at least one Eligible Transaction* within the first 3 calendar months of securities account opening. E.g. New Client, who opens a securities account within January 2017, is required to conduct at least one buy or sell trade of Hong Kong stocks on or before March 31, 2017, in order to continue enjoying the Brokerage Fee Waiver in April 2017, the 4th calendar month of securities account opening (the "4th month"). Brokerage fee for all buy trades of Hong Kong stocks within the first 3 calendar months of securities account opening will be waived.
      2. Starting from the 4th month, the Brokerage Fee Waiver will continue if New Clients perform at least one Eligible Transaction in each calendar month thereafter. If New Clients do not conduct any Eligible Transaction in any month starting from the 4th month, the Brokerage Fee Waiver will be terminated starting from the following month and cannot be resumed.
        * Eligible Transaction refers to Hong Kong stock buy or sell transactions only. Buy and sell transactions of stock in other markets, stock transfer-in and transfer-out, Initial Public Offering, Stock Regular Savings Plan related transactions, are not considered as eligible transactions in the Program.
    • New Clients are required to pay the regular brokerage fees at the time of trading. Each brokerage fee collected for every buy trade completed during the Promotion Period or within the first 3 calendar months of the securities account opening will be refunded to clients’ settlement account linked to the securities account within 6 months from the date of the relevant transaction. New Clients should maintain a valid securities account and settlement account at the time when the refund is made.
    • The Program cannot be enjoyed together with the “Payroll for continuous stock fee waiver” Program.
    • The Program is not eligible to clients who are the employees of the Bank or Citibank N.A. or its subsidiaries during the Promotion Period or at the time the brokerage refund is made.

      Illustration: A New Client who opens a securities account on January 20, 2017, hence, January 2017 will be the 1st calendar month.
        Turnover in the month (HK$)
      Month Transaction month Brokerage Fee Waiver for Buy Trades BUY SELL Other transactions
      Condition 1: New Clients must have at least 1 Eligible Transactions* within the first 3 calendar months of securities account opening to enjoy the Brokerage Fee Waiver in the 4th month
      1st January 2017 Yes - - Stock transfer-in HK$500,000
      2nd February 2017 HK stock HK$700,000
      Refund brokerage fee = HK$1,400
      HK stock HK$100,000 -
      3rd March 2017 - - -
      Condition 2: Starting from the 4th month, New Clients must have at least 1 Eligible Transactions* in each calendar month to continue the Brokerage Fee Waiver in the following month.
      4th April 2017 Yes
      (As there were more than 1 Eligible Transactions made in the first 3 months)
      - HK stock HK$200,000  
      5th May 2017 Yes
      (As there was 1 Eligible Transaction in the previous month)
      HK stock HK$500,000
      Refund brokerage fee = HK$100
      HK stock HK$50,000 IPO Application HK$10,000
      6th June 2017 Yes
      (As there were more than 1 Eligible Transactions in the previous month)
      - - -
      7th July 2017 Brokerage Fee Waiver is terminated
      (As there was no Eligible Transaction in the previous month)
      - - -
      Assuming the brokerage fee is 0.2% of the trading turnover; cells highlighted in grey indicate Eligible Transaction in the Program.
      * Eligible Transaction refers to Hong Kong stock buy or sell transactions only. Shanghai- Hong Kong Stock Connect A-shares/U.S. stock buy and sell transactions, stock transfer-in and transfer-out, Initial Public Offering, Stock Regular Savings Plan related transactions, are not considered as eligible transactions in the Program.
      # If there is no Eligible Transaction, as stated above, within the first 3 calendar months of securities account opening, then the "Up to a lifetime fee waiver on stock purchases" program will be terminated in the 4th month and cannot be resumed. And if there is no Eligible Transaction in any month starting from the 4th calendar month, the Program will be terminated and cannot be resumed in the next month.
  8. Terms and conditions for "5% p.a. Time Deposit Reward":
    • The promotion period ("Promotion Period") is valid from February 1 to March 31, 2017, both dates inclusive.
    • The Time Deposit Reward is not applicable for U.S. persons.
    • Clients have to call their Relationship Manager to register in order to enjoy the offers.
    • Clients can enjoy the Time Deposit Reward by transferring in Mutual Funds worth HK$200,000 or above (or equivalent amount) authorized by the Securities and Futures Commission (excluding class B funds) to the Bank successfully during the Promotion Period. The Mutual Funds for transfer-in must be currently available for distribution by the Bank. Clients must maintain the transferred Mutual Funds units or their equivalent net asset value amount (as of transfer completion date) with the Bank for 12 months or above.
    • Time Deposit Reward refers to a 5% p.a. 1-month time deposit offer in HKD/USD/AUD/NZD/GBP/CAD/RMB, after fulfilling clause no.8(d), on or before April 30, 2017.
    • The Time Deposit Reward should not exceed the sum of the “transfer in amount for Mutual Funds” up to a maximum of HK$15,000,000 or equivalent. Illustration: Clients who transfer in Mutual Funds can enjoy the Time Deposit Reward with an amount not more than the transfer in amount for Mutual Funds. E.g. Clients can enjoy the 5% p.a. 1-month AUD time deposit offer of HK$500,000 after transferring in Mutual Funds worth HK$500,000.
    • The Time Deposit Reward is not applicable to time deposits set up via online or mobile channels.
    • All interest rates are annualized interest rates that are for reference only and are not guaranteed. The actual time deposit interest rate will depend on the terms and conditions of the promotion offers, deposit amount, currency, tenor and interest rate on the value date. All interest rates are subject to change due to market fluctuations without prior notice. The Time Deposit Reward is subject to quota availability and will be offered on a first-come-first-serve basis.
    • Once the Time Deposit Reward has been selected and accepted by The Bank, no cancellation or change can be made.
    • All disputes are subject to the final decision of Citibank (Hong Kong) Limited, which reserves the right to amend the terms and conditions without prior notice.
  9. New Funds Offer:
    To be entitled to relevant offers, new client is required to join Citigold Private Client / Citigold / Citi Priority during the Promotion Period and fulfill the following requirements:
    • New clients must bring in the required new funds specified below within the first 2 calendar months from account opening (including the month of account opening and the month following):
      Banking Services New funds (HK$) Cash rebate (HK$)
      Citigold Private Client HK$8,000,000 HK$10,000
      Citigold HK$4,000,000 HK$5,000
      Citigold HK$1,500,000 HK$3,000
      Citi Priority HK$1,000,000 HK$2,000
      Citi Priority HK$500,000 HK$1,000
    • Clients are required to maintain the new funds according to the hold fund period specified below and sign the fund maintenance agreement and the cash rebate will be credited to clients’ banking account as follows:
      Account Opening Date Hold Fund Period (until) Cash rebate will be credited on or before
      January 1 to 31, 2017 May 31, 2017 June 30, 2017
      February 1 to 28, 2017 June 30, 2017 July 31, 2017
      March 1 to 31, 2017 July 31, 2017 August 31, 2017
    • New clients must enroll in the e-Statement Service at the time of account opening.
    • New clients can enjoy HK$200/HK$100 in shopping coupons upon successful opening of a Citigold/Citi Priority account through online appointment. The offer is subject to the terms and conditions printed on the coupon.
    • New funds exclude transfer of funds within the Bank. Transfer-in Mutual Funds/Bonds/Securities (Hong Kong, US or A shares via Hong Kong Shanghai Connect) will be counted as New Funds. Only Mutual Funds/ Bond offered by Citibank (Hong Kong) Limited, Citibank, N.A., Citigroup Inc. will be accepted. The transfer-in process may take at least 2 to 3 months.
  10. Investment Balance Offer:
    • Citigold Private Client/Citigold
      To be eligible for Investment Balance Offer, new client is required to fulfill the following requirements on the last day of the 5th month of account opening:
      • Fulfilled the requirements stated in the New Funds Offer; and
      • Maintained an aggregate amount of Designated Product Balance at HK$1,000,000 ( or equivalent) or above (applicable to Citigold Private Client) or HK$300,000 (or equivalent) or above (applicable to Citigold) at the Bank:
        Designated Product Balance to be calculated under the Reward at the last day of the 5th month of account opening
        Mutual Funds - Total amount of Mutual Fund holdings in minus the total amount of Mutual Funds redeemed and transferred out.
        - Mutual Funds must be distributed by the Bank and authorized by the Securities and Futures Commission.
        Bonds - Total amount of Bond holdings in minus the total amount of Bonds redeemed and transferred out.
        - Not applicable to all retail Bond IPOs.
        Structured Products - Total amount of Structured Products holdings minus the total amount of Structured Products early called/matured/sell back.
    • Citi Priority
      To be eligible for Investment Balance Offer, new client is required to fulfill the following requirements on the last day of the 5th month of account opening:
      • Fulfilled the requirements stated in the New Funds Offer; and
      • Completed the online Investment Risk Profiling; and
      • Maintained an aggregate amount of Designated Product Balance at HK$100,000 ( or equivalent) or above at the Bank:
        Designated Product Balance to be calculated under the Reward at the last day of the 5th month of account opening
        Securities - Total stock value as of the closing stock price at the 5th month of account opening which is based on the multiple of the closing stock price on the last trading day at the 5th month of account opening and number of shares.
        - If a stock involves foreign currency, an exchange rate of USD1=HKD7.8/ RMB1=HKD1.2 will be used for its stock value calculation.
        Foreign Currency Deposits - Total deposit holdings (excluding HKD).
      • Investment Balance Offer will be credited to each eligible client’s account together with the New Funds Offer as follow:
        Account Opening Date Designated Product Balance to be calculated on Cash rebate will be credited on or before
        January 1 to 31, 2017 May 31, 2017 June 30, 2017
        February 1 to 28, 2017 June 30, 2017 July 31, 2017
        March 1 to 31, 2017 July 31, 2017 August 31, 2017
      • Unless otherwise specified, the exchange rate of foreign currency will be calculated according to the Bank’s system record.
      • Only clients with valid accounts and in good standing during the entire promotional period and at the time of fulfillment will be eligible for the reward. If the account status changes, the Bank reserves the right to terminate the offer to the eligible clients, without prior notice.
  11. Payroll Account Offer:
    • Citigold Private Client
      To be eligible for Payroll Account Offer, new clients must:
      • Successfully open a Citigold Private Client account and a Step-Up Interest Account; and
      • Start depositing monthly salary (payroll) of HK$30,000 or above into the Step-Up Interest Account for 12 consecutive months via the autopayroll service or standing instructions within the first 3 calendar months from account opening (including the month of account opening and the 2 months following); and
      • Fulfill the requirements stated in the Citigold Private Client New Funds Offer.
      • Payroll Account Offer for Citigold Private Client will be credited to each eligible client’s account within 6 calendar months from the account opening date.
    • Citigold
      To be eligible for Payroll Account Offer, new clients must:
      • Successfully open a Citigold account and a Step-Up Interest Account; and
      • Start depositing monthly salary (payroll) of HK$30,000 or above into the Step-Up Interest Account for 12 consecutive months via the autopayroll service or standing instructions within the first 3 calendar months from account opening (including the month of account opening and the 2 months following); and
      • Fulfill the requirements stated in the Citigold New Funds Offer.
    • Citi Priority
      To be eligible for Payroll Account Offer, new clients must:
      • Successfully open a Citi Priority account and a Step-Up Interest Account; and
      • Start depositing monthly salary (payroll) of HK$30,000 or above into the Step-Up Interest Account for 12 consecutive months via the autopayroll service or standing instructions within the first 3 calendar months from account opening (including the month of account opening and the 2 months following);
        • Clients with income of HK$30,000 to HK$49,999 must bring in new funds of HK$500,000 within the first 2 calendar months from account opening (including the month of account opening and the month following) and maintain HK$500,000 or above for 3 months (consecutive 90 days from the date of fund-in) and sign the fund maintenance agreement;
        • Clients with income of HK$50,000 or above must bring in new funds of HK$200,000 within the first 2 calendar months from account opening (including the month of account opening and the month following) and maintain HK$200,000 or above for 3 months (consecutive 90 days from the date of fund-in) and sign the fund maintenance agreement; and
      • Choose the new Citibank ATM Card with VISA payment function and make at least one purchase via the Visa network within the first 3 months after account opening (including the month of account opening); and
      • Enroll in the e-Statement Service at the time of account opening.
      • The Bank reserves the right to reclaim the full cash value of the gift if the consecutive monthly payroll deposit is halted at any time in the first year after account opening.
  12. Bonus Offer:
    • To be entitled to relevant offers, new clients must:
      • Successfully joined Citigold Private Client / Citigold / Citi Priority during the Promotion Period
      • Fulfill Citigold Private Client / Citigold / Citi Priority new funds offer requirements
      • Maintain New Funds Offer requirement until the 12th month from account opening date
      • Bonus offer will be credited to client’s banking account on the 13th month from account opening date.
  13. Personal Loans Offer:
    • Successfully joined Citigold Private Client / Citigold during March 1 to March 31, 2017 (inclusive of both dates).
      To be eligible for Personal Loans Offer, new client is required to fulfill the following requirements on the last day of the 5th month of account opening :
      • Fulfilled the requirements stated in the New Funds Offer; and
      • Maintained a Personal Loan Balance at the bank
    • HK$1,000 Cash rebate of the Personal Loans Offer will be credited to each eligible client’s account together with the New Funds Offer as follow:
      Account Opening Date Personal Loan Balance to be calculated on Cash rebate will be credited on or before
      March 1 to 31, 2017 July 31, 2017 August 31, 2017
    • Only clients with valid accounts and in good standing during the entire promotional period and at the time of fulfillment will be eligible for the reward. If the account status changes, the Bank reserves the right to terminate the offer to the eligible clients, without prior notice.

Terms & Conditions of Clients Referral Offer:

  1. The Promotion Period is valid from January 1 to March 31, 2017, inclusive of both dates (“Promotion Period”).
  2. Unless otherwise specified, all offers are not eligible for overseas clients (with an overseas correspondence address) and Citibank staff.
  3. The referrer must be existing banking client of The Bank while referee(s) (new client) apply for banking account.
  4. The referral offer is not applicable if referee (new client) had any banking relationship within the past 12 months or is an existing client of Citibank banking services.
  5. To be eligible for the referral offer, referrer must successfully refer new client(s) to be a Citigold Private Client/Citigold/Citi Priority client(s) during the Promotion Period, subject to the fulfillment of welcome offers requirements (including New Funds Offer or Payroll Account Offer) :
    Referral Offer (Cash Rebate)
    Citigold Private Client Citigold Citi Priority
    HK$5,000 each HK$1,500 each HK$1,200 each
  6. Referrers cannot refer themselves to become new clients, including the owner/ shareholder of company refers his/ her company or vice versa. Referrers and referees cannot refer each other to become a new client.
  7. The referrer’s entitlement to the referral offer will be subject to the Bank’s confirmation on the referee’s fulfillment of the welcome offers requirements.
  8. The referral offer will be credited to the referrer's Citibank account on the 6th month upon the referee's account opening after the referee has fulfilled the requirements of the new funds offer
  9. Only those clients (including referrer and referee) whose relevant accounts are valid and in good standing during the entire promotional and redemption period will be eligible for the rewards. If the account status changes, the Bank reserves the right to terminate the offers to the eligible clients, without prior notice.
  10. The referral offer cannot be used in conjunction with other special promotions, discounts or promotional coupons, nor be transferred or exchanged for cash or other offers.

Terms and Conditions for "Bonus x2 Lucky Draw" ("Lucky Draw")

  1. The promotion period is valid from February 27, 2017 to March 31, 2017, both dates inclusive. ("Promotion Period").
  2. This promotion does not apply to existing banking clients of Citibank (Hong Kong) Limited (“Citibank”) and clients who had a banking relationship with Citibank in the last 12 months, U.S. persons, overseas clients (with an overseas correspondence address) and Citibank staff.
  3. This promotion applies to new banking clients (“Eligible Bank Account Holder”) who successfully open Citigold or Citi Priority account and a Step-¬Up Interest Account within the Promotion Period and maintain an “Average Daily Combined Balance”* of HK$1,500,000 or above (For Citigold account holder) or HK$500,000 or above (For Citi Priority account holder) in May, 2017. Each Eligible Bank Account Holder will be automatically entitled to one chance in the lucky draw.
    * The "Average Daily Combined Balance" is calculated based on the sum of your daily balances of deposit, investment and accumulated paid premium of selected insurance products of all your single name account(s) and joint name account(s), divided by the number of calendar days in the month. Selected insurance products mean insurance policy(ies) with savings element or investment-linked insurance.
  4. For joint accounts, only the Primary Account Holder will be eligible for the Lucky Draw. Each Eligible Bank Account Holder is entitled to a maximum of one chance in the Lucky Draw.
  5. One winner of the Lucky Draw will be drawn in June. The winner will receive an amount of cash rebate equivalent to his/her 2016 bonus payment (“Prize”), capped at HK$50,000. A notification email will be sent to winner’s email addresses registered with Citibank on or before July 15, 2017. Winner must visit designated branch as stated in the email to provide his/her 2016 bonus payment document proof on or before August 31, 2017. The bonus payment document proof must include the winner’s name, amount of bonus payment and date. The Prize will be credited into winner’s Step-¬Up Interest Account within a month upon receiving the document proof. Bank account of the winner must be valid during the Promotion Period and fulfilment period in order to be eligible for the cash rebate. Otherwise Citibank reserves the right to forfeit the cash rebate without prior notice.
  6. Winner of the Lucky Draw are also eligible to other welcome offer.
  7. The Bank reserves the right to claim for the refund of the gift should the new account be closed/downgraded within 6 months from the date of account opening, or the new client’s “Average Daily Combined Balance” falls below the minimum balance requirement within 6 months from the date of account opening. The gift value will be debited from the client’s account at the time of account closure or downgrade, or 1 month from the first day the account balance falls below the required level whichever is earlier.
  8. In case of any fraud/abuse/reversal, Citibank reserves the right to debit from the bank account holder’s account the equivalent amount of the cash rebate rewarded without prior notice.
  9. All matters and disputes are subject to the final decision of Citibank. Citibank reserve the right to amend these terms and conditions without prior notice.
  10. In the event of any discrepancy between the English and Chinese versions of these terms and conditions, the English version shall prevail.

Important Disclaimer:Important Disclaimer:

You should seek advice from your professional advisors as to your particular tax position, including but not limited to estate duty and withholding tax that might arise from investing in overseas products. This material is for information only and does not constitute any offer or solicitation to buy or sell. Investments should not be treated as a substitute for time deposits. Investors should refer to the relevant investment products offering documents for detailed information prior to subscription. Investments are not bank deposits and involve risks, including the possible loss of the principal amount invested. Investors investing in investment products denominated in non-local currency should be aware of the risk of exchange rate fluctuations that may cause a loss of principal. Unit prices may go down as well as up. Past performance is not indicative of future performance. Unless specified, these investments are not obligations of, guaranteed or insured by Citibank (Hong Kong) Limited, Citibank N.A., Citigroup Inc. or any of its affiliates or subsidiaries, or by any local government or insurance agency. Investment products are not eligible for U.S. persons and might only be applicable to limited jurisdiction. Potential investors should consider if an investment is suitable for them in the light of their own financial position, investment objectives and risk profile.

Foreign currency trading is subject to rate fluctuations which may provide both opportunities and risks. Investors may experience a loss when they convert foreign currency back to their home currency. Investors should therefore carefully consider whether such trading is suitable for them in light of their own financial position, investment objectives and risk profile. Exchange Controls imposed by the relevant authorities may also adversely affect the applicable exchange rate. Citibank or any of its associates will benefit from the origination and distribution of the in-house product.

Disclaimer - Third Party Content

The use of any product, service or feature available through the internet Website accessible at [citibank.com.hk] (the "Website") by any user of the Website ("I") shall be governed by the following terms

Third Party Content

The Website makes information of third parties available, including stock prices, analysts’ views, company information, data about financial markets and news reports (the "Third Party Content"). I acknowledge and agree that the Third Party Content is neither created nor endorsed by any business offering products or services through it. The provision of Third Party Content is for general information only and does not constitute a recommendation or solicitation to purchase or sell any security or make any other type of investment or investment decision. In addition, the Third Party Content is not intended to provide tax, legal or investment advice. I acknowledge that the Third Party Content provided to me is obtained from sources believed to be reliable but no guarantees are made by Citibank, the Website or the providers of the Third Party Content as to its accuracy, completeness or timeliness. I acknowledge that the Third Party Content does not take into account any views held or promulgated by Citigroup, Inc. (which may or may not have been communicated to me) and that such views may in fact be contrary to the Third Party Content. I agree not to hold Citibank, the Website, any business offering products or services through the Website or any provider of Third Party Content liable for any investment decision or other transaction I may make on the Website (regardless of whether or not such data is taken into account by me), or any liability that may arise due to delays or interruptions in the delivery of the Third Party Content for any reason.

Citigroup Inc., its affiliates and its employees are not in the business of providing tax or legal advice to any taxpayer.

THERE IS NO WARRANTY OF MERCHANTABILITY, NO WARRANTY OF FITNESS FOR PURPOSE, AND NO WARRANTY OF NON-INFRINGEMENT. THERE IS NO WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, REGARDING THIRD PARTY CONTENT.

Trademarks and Copyrights.

Third Party Content is the property of its respective provider or its licensor and is protected by applicable copyright law. I agree not to reproduce, retransmit, disseminate, sell, distribute, publish, broadcast, circulate or commercially exploit the Third Party Content in any manner without the express written consent of the Third Party Content Provider.

Nothing contained herein shall supersede, alter or nullify the terms of any other agreements I have or will make with any business providing products or services through [citibank.com.hk].

In the event of discrepancy between the English and Chinese versions, the English version shall prevail.