Citi®

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Citi Member-Get-Member Program Refer Your Friends. Earn Your Rewards. Share Now
Citi Member-Get-Member Program Refer Your Friends. Earn Your Rewards. Share Now

Sharing can bring you happiness, along with exciting rewards.
From October 1 to December 31, 2017, successfully refer your friends and relatives to open
designated accounts and earn fabulous cash rewards. Share now!

Rewards for Referrer

Rewards for Referrer - Citigold Private Client®: HK$5,000 + HK$200 each; Citigold: HK$1,500 + HK$200 each; Citi Priority: HK$1,000 + HK$200 each
Online/Hotline Exclusive: Both referrer and referee can get extra HK$200 cash rebate Share Now

From October 1 to December 31, 2017, successfully refer your friends and relatives to open designated accounts and earn fabulous cash rewards.

Rewards for Referrer - Citigold Private Client®: HK$5,000 + HK$200 each; Citigold: HK$1,500 + HK$200 each; Citi Priority: HK$1,000 + HK$200 each Online Exclusive: Both referrer and referee can get extra HK$200 cash reward Share Now
SHARE NOW

Terms and Conditions

General Terms & Conditions:

  • All welcome offers are not applicable to U.S. persons, except deposit interest rate.
  • All welcome offers, the continuous HK stock buy fee waiver offer and credit card welcome offer are not applicable to Citibank staff.
  • Unless otherwise specified, all welcome offers are not eligible for overseas clients (with an overseas correspondence address), not applicable to existing banking clients of Citibank (Hong Kong) Limited (“the Bank”) and clients who had a banking relationship with the Bank in the last 12 months.
  • Unless otherwise specified, the Promotion Period is valid from October 1 to December 31, 2017, inclusive of both dates ("Promotion Period").
  • Each client can only enjoy the offer once during the promotion period. For joint accounts, only one offer will be given to the Primary Account Holder.
  • The account status of each client must remain valid and normal at the time when the corresponding offer is rewarded or delivered to the client. Otherwise, the reward will be forfeited absolutely.
  • To be eligible for the British Airways Avios (“Avios”) offer, the client must be a member of British Airways Executive Club and register at designated Citibank webpage (www.citibank.com.hk/aviosoffer) within the first 2 calendar months from account opening (including the month of account opening and the month following). Overdue registrations will not be eligible for the Avios offer. Once successfully registered, no cancellation or change can be made. Client who does not register online will be rewarded with corresponding cash rebate welcome offer.
  • During online registration, the client is required to provide a valid British Airways Executive Club membership number, member's surname as it appears on your British Airways Executive Club account, and the 16-digit Citibank ATM Card number. No Avios will be rewarded in case of any incorrect information provided by clients.
  • The client's registered British Airways Executive Club membership number, member's surname and the eligible quantity Avios to be credited will be submitted to British Airways Executive Club for the purpose of fulfillment. British Airways Executive Club terms and conditions applies for the use of Avios .
  • 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, welcome offers (cash rebate or Avios) will be credited to each eligible client’s banking account or British Airways Executive Club account by the date as specified in the table below .
    Account Opening Date Cash rebate will be credited Avios will be credited
    October 1 to 31, 2017 On or before April 30, 2018 Within 6 weeks after April 30, 2018
    November 1 to 30, 2017 On or before May 31, 2018 Within 6 weeks after May 31, 2018
    December 1 to 31, 2017 On or before June 30, 2018 Within 6 weeks after June 30, 2018
  2. 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. For the fees of individual services, please refer to the latest service fee guide.
  3. 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.
  4. 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$60 (or equivalent) monthly service fee. Service charges for certain products apply.
  5. The "Average Daily Combined Balance" is calculated based on the sum of your daily balances of deposit, investment and accumulated paid premium of selected insurance products of all your single name account(s) and joint name account(s), divided by the number of calendar days in the month. Selected insurance products mean insurance policy(ies) with savings element or investment-linked insurance.
  6. New Funds Offer:
    To be entitled to relevant offers, new client is required to join Citigold Private Client / Citigold / Citi Priority during the Promotion Period and fulfill the following requirements:
    • New clients must bring in the required new funds specified below within the first 2 calendar months from account opening (including the month of account opening and the month following):
      Banking Service New funds amount
      (HK$ or equivalent)
      Cash rebate (HK$) or Avios
      Citigold Private Client HK$8,000,000 HK$15,000 250,000
      Citigold HK$4,000,000 HK$7,000 120,000
      Citigold HK$1,500,000 HK$4,000 80,000
      Citi Priority HK$1,000,000 HK$2,500 50,000
      Citi Priority HK$500,000 HK$1,500 25,000
    • Clients are required to maintain the new funds according to the hold fund period specified below and sign the fund maintenance agreement:
      Account Opening Date Hold Fund Period (until)
      October 1 to 31, 2017 March 31, 2018
      November 1 to 30, 2017 April 30, 2018
      December 1 to 31, 2017 May 31, 2018
    • New clients must enroll in the e-Statement Service at the time of account opening.
    • New clients can enjoy HK$200/HK$100 in shopping coupons upon successful opening of a Citigold/Citi Priority account through online appointment. The offer is subject to the terms and conditions printed on the coupon.
    • New funds exclude transfer of funds within the Bank. Transfer-in Mutual Funds/Bonds/Securities (Hong Kong, US or A shares via Hong Kong Shanghai Connect) will be counted as New Funds. Only Mutual Funds/ Bond offered by Citibank (Hong Kong) Limited, Citibank, N.A., Citigroup Inc. will be accepted. The transfer-in process may take at least 2 to 3 months.
  7. Payroll Account Offer:
      To be eligible for Payroll Account Offer, new clients must:
      • Successfully open a Citigold Private Client / Citigold / Citi Priority account and a Step-Up Interest Account; and
      • Start depositing monthly salary (payroll) into the Step-Up Interest Account for 12 consecutive months via the autopayroll service or standing instructions within the first 3 calendar months from account opening (including the month of account opening and the 2 months following); and
      • Fulfill the requirements stated in respective banking account’s New Funds Offer and sign the fund maintenance agreement.
      • The Bank reserves the right to reclaim the full cash value of the gift if the consecutive monthly payroll deposit is halted at any time in the first year after account opening.
        Banking Services Monthly Salary
        (HK$ or equivalent)
        Cash rebate (HK$) or Avios
        Citigold Private Client /
        Citigold /
        Citi Priority
        HK$80,000 or above HK$1,200 15,000
        HK$50,000 or above HK$1,000 13,000
        HK$30,000 or above HK$800 10,000

    Below applicable to Citi Priority new clients only:
    • If clients are unable to fulfill the Citi Priority New Funds Offer, they are still able to enjoy the payroll account offer and a year of monthly service fees waiver by fulfilling the following criteria: 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 a balance of HK$200,000 until at least the 6th month from account opening and start depositing monthly salary (payroll) of HK$50,000 or above into the Step-Up Interest Account for 12 consecutive months via the auto payroll 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 sign the fund maintenance agreement.
    • 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.
  8. Product Balance Offer:
    • Citigold Private Client / Citigold
      To be eligible for Product Balance Offer, new client is required to fulfill the following requirements by the first 6 months of account opening and the aggregate amount of Designated Product Balance must be maintained on the last day of the 6th month of account opening :
      • Fulfilled the requirements stated in the New Funds Offer; and
      • Maintained an aggregate amount of Designated Product Balance at the Bank:
        Designated Product Balance to be calculated under the Offer at the last day of the 6th 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 and Certificates of Deposit.
        Structured Products - Total amount of Structured Products holdings minus the total amount of Structured Products early called/matured/sell back.
        Life Insurance - Aggregate premium paid of AIA life insurance plans and refundable insurance plans (including both basic plans and riders) which are of in-force status.
        - The plans have to be purchased through the Bank.
    • Citi Priority
      To be eligible for Product Balance Offer, new client is required to fulfill the following requirements by the first 6 months of account opening and the aggregate amount of Designated Product Balance must be maintained on the last day of the 6th 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$100,000 ( or equivalent) or above at the Bank:
        Designated Product Balance to be calculated under the Offer at the last day of the 6th month of account opening
        Securities - Total stock value as of the closing stock price at the 6th month of account opening which is based on the multiple of the closing stock price on the last trading day at the 6th month of account opening and number of shares.
        - If a stock involves foreign currency, an exchange rate of USD1=HKD7.8/ RMB1=HKD1.2 will be used for its stock value calculation.
        Foreign Currency Deposits - Total deposit holdings (excluding HKD).
        Life Insurance - Aggregate premium paid of AIA life insurance plans and refundable insurance plans (including both basic plans and riders) which are of in-force status.
        - The plans have to be purchased through the Bank.
    • Product Balance Offer details (in the forms of Cash Rebate or Avios) for respective Banking Service & Designated Product Balance Requirement are listed below:
      Banking Service Designated Product Balance
      (HK$ or equivalent)
      Cash Rebate (HK$) or Avios
      Citigold Private Client HK$2,000,000 HK$15,000 250,000
      Citigold HK$650,000 HK$4,000 80,000
      Citi Priority HK$200,000 HK$1,500 25,000
    • Product 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
      October 1 to 31, 2017 March 31, 2018
      November 1 to 30, 2017 April 30, 2018
      December 1 to 31, 2017 May 31, 2018
    • 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.
  9. 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.

Terms & Conditions of Clients Referral Offer:

  1. The Promotion Period is valid from October 1 to December 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 sales 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$1,000 each
  6. For referrer and referee to be eligible for the additional HK$200 cash rebate respectively, the referee must submit an online application or call us directly to register and visit a selected Citibank branch in person to complete the account opening process on the appointed date.
  7. 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.
  8. 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.
  9. The referral offer will be credited to the referrer's Citibank account on the 7th month upon the referee's account opening after the referee has fulfilled the requirements of the new funds offer.
  10. 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.
  11. 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 of Insurance Member-Get-Member Offer:

  1. Offer is not applicable to U.S. persons.
  2. The Promotion Period is valid from October 10 to December 31, 2017, inclusive of both dates ("Promotion Period"). The policy must be successfully applied within the promotion period based on the application date and issued on or February 28, 2018.
  3. Unless otherwise specified, all offers are not eligible for Citibank (Hong Kong) Limited (“Citibank”) sales staff. Staff to staff referral arrangement will not be considered.
  4. The Referrer should be existing AIA in-force policyholder and such AIA in-force policy was purchased through Citibank. The Referrer should also be holding a valid Citibank banking account during the Promotion Period.
  5. Referee does not and did not own any AIA in-force life insurance policy purchased through Citibank at the point of insurance application.
  6. To be eligible to the Insurance Member-Get-Member Offer, Referrer shall introduce referee(s) to Citibank. If referee applies for an AIA life insurance basic plan during the Promotion Period and the following conditions are met, the Referrer will be entitled to reward under the Member-Get-Member Offer as below:

    Rewards to be provided to Referrer under the Insurance Member-Get-Member Offer:

    Referee Segment Referee successfully applied for an AIA Life Insurance Basic Plan through Citibank during the Promotion Period and such policy is issued on or before February 28, 2018, with the following minimum annualized premium* Referral Offer (Cash Rebate)
    Citigold Private Client US$70,000 / HK$560,000 / RMB 466,667 HK$5,000 each
    Citigold US$25,000 / HK$200,000 / RMB 166,667 HK$1,500 each
    Citi Priority US$7,000 / HK$56,000 / RMB 46,666 HK$1,000 each

    *Annualized premium of single pay basic plan is considered to be one-tenth of the single premium of the basic plan.
  7. For avoidance of doubt, under this Insurance Member-Get-Member Offer, the Referrer shall only be introducing client(s) to Citibank and shall not in any way holding himself as an agent of Citibank or an insurance intermediary, or holding himself as advising, negotiating, arranging, inviting, inducing, or attempting to invite or induce the Referee to enter into an insurance contract or to make an application for an insurance contract.
  8. The scope of activity contemplated under this Insurance Member-Get-Member Offer shall only be limited to client introduction and shall not in any way constitute any regulated activities which shall only be carried on by a licensed insurance intermediary.
  9. To be eligible to the Insurance Member-Get-Member Offer, both Referrer and Referee must submit to Citibank a duly completed and signed Citibank Insurance Member-Get-Member Form together with the insurance policy application on or before December 31, 2017. Citibank reserves the right to refuse the grant of any reward to the Referrer should it be discovered by Citibank that the contact details of the Referee(s) are invalid and improperly obtained by the Referrer in the absolute opinion of Citibank.
  10. Referrers cannot refer themselves to become new insurance clients, this restriction also applies to the referral between a company and its shareholder(s)/directors/keyman or vice versa. Referrers and Referees cannot refer each other to become a new insurance client.
  11. The Referrer's entitlement to the Insurance Member-Get-Member Offer will be subjected to Citibank's confirmation on the issuance of Referee's AIA life insurance policy.
  12. The Insurance Member-Get-Member Offer reward will be credited to the Referrer's Citibank account on or before April 30, 2018.
  13. The reward under the Insurance Member-Get-Member Offer is capped at HK$40,000 per Referrer.
  14. Only those clients (including Referrer and Referee) whose Citibank banking accounts are valid and in good standing during the entire Promotion Period and at the time of fulfillment will be eligible for the rewards. If the account status changes, Citibank reserves the right to terminate the offers to the eligible clients, without prior notice.
  15. Unless otherwise specified, the Insurance Member-Get-Member Offer cannot be used in conjunction with other special promotions, discounts or promotional coupons, nor be transferred or exchanged for cash or other offers.
  16. Citibank 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, Citibank’s decision will be final.
  17. The English version of these Terms and Conditions shall prevail wherever there is a discrepancy between the English and the Chinese versions.

Citibank (Hong Kong) Limited - Important Notes from the insurance agent:

  1. Citibank (Hong Kong) Limited being registered with the Insurance Agents Registration Board established by the Hong Kong Federation of Insurers, acts as an appointed insurance agent for AIA International Limited (the "Insurance Company").
  2. Citibank (Hong Kong) Limited's role is limited to distributing the insurance product only and Citibank (Hong Kong) Limited shall not be responsible for any matters in relation to the products provided.
  3. Insurance products are products and obligations of the Insurance Company and not of Citibank (Hong Kong) Limited. Insurance products are not bank deposits or obligations of, or guaranteed or insured by Citibank (Hong Kong) Limited, Citibank, N.A., Citigroup Inc. or any of their affiliates or subsidiaries, or any local governmental agency.
  4. In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between you and Citibank (Hong Kong) Limited out of the selling process of any insurance product by Citibank (Hong Kong) Limited as agent for Insurance Company or the processing of the related transaction, you will enter into a financial dispute resolution scheme process with Citibank (Hong Kong) Limited in accordance with the applicable rules. However any dispute over the contractual terms of the product should be resolved between directly you and Insurance Company.
  5. All insurance applications are subject to Insurance Company's underwriting and acceptance.
  6. The Insurance Company is solely responsible for all approvals, coverage and compensations of their insurance plans.
  7. Citibank (Hong Kong) Limited is not rendering legal, accounting or tax advice. You are advised to check with your personal tax advisor for advice relevant to your circumstances.
  8. You are reminded to review the relevant product materials provided to you and seek independent advice if necessary.
  9. For any policy service enquiries, please call your bank financial consultant or contact the Insurance Company.
  10. In case of any discrepancy between the English and Chinese versions of this leaflet, the English version shall prevail.