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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 Aug 1 to Sept 30, 2018, successfully refer your friends and relatives to open
designated accounts or purchase designated insurance or mortgage products to 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

Sharing can bring you happiness, along with exciting rewards.
From Aug 1 to Sept 30, 2018, 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
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Remarks

  • 1Terms and Conditions apply. The Promotion Period of Banking Account Client Referral Offer is valid from Aug 1 to Sept 30, 2018, inclusive of both dates. The Promotion Period of Insurance Member-Get-Member Offer is valid from Jul 1 to Sept 30, 2018, inclusive of both dates ("Promotion Period").
  • 2The Member-get-Member (MGM) Program is applicable to any mortgage loan application submitted from Jun 26, 2017 to Dec 31, 2018 (both dates inclusive) and the mortgage loan is successfully drawn down in Citibank. Terms and conditions apply. For details, please refer to the mortgage referral form Terms and Conditions.
  • 3Referrer offer is not applicable to Citibank sales staff.

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, Stock transfer-in for HK$3,000 cash coupon rewards, No Minimum Brokerage Fee 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 August 1 to September 30, 2018, 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.
  • Cash rebate will be credited to eligible clients’ HKD account only and 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. For details, please refer to www.britishairways.com/executive-club/terms-and-conditions
  • 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
    August 1 to August 31, 2018 On or before February 28, 2019 Within 6 weeks after February 28, 2019
    September 1 to September 30, 2018 On or before March 31, 2019 Within 6 weeks after March 31, 2019
  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$1,500,000 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. For Citi Priority clients to be eligible for the Welcome Offers, the clients must register or login at least once at Citi Mobile® App or Citibank Online during the hold fund period of New Fund Offer.
  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$60 (or equivalent) monthly service fee. Service charges for certain products apply.
  6. The "Average Daily Combined Balance" is calculated based on the sum of your daily balances of deposit, investment and accumulated paid premium of selected insurance products of all your single name account(s) and joint name account(s), divided by the number of calendar days in the month. Selected insurance products mean insurance policy(ies) with savings element or investment-linked insurance.
  7. The extra 15% Avios offer is only applicable to clients who have chosen Avios as the welcome offers during the designated promotion period and fulfilled the requirements of the relevant offers.
  8. New Funds Offer:
    To be entitled to relevant offers, new client is required to join Citigold Private Client / Citigold / Citi Priority during the Promotion Period and fulfill the following requirements:
    • New clients must bring in the required new funds specified below within the first 2 calendar months from account opening (including the month of account opening and the month following):
      Banking Service New funds amount
      (HK$ or equivalent)
      Cash rebate (HK$) or Avios
      Citigold Private Client HK$8,000,000 HK$20,000 250,000
      Citigold HK$2,500,000 HK$9,000 120,000
      Citigold HK$1,500,000 HK$6,000 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)
      August 1 to August 31, 2018 January 31, 2019
      September 1 to September 30, 2018 February 28, 2019
    • New clients must enroll in the e-Statement Service at the time of account opening.
    • New clients can enjoy HK$200/HK$100 in cash rebate upon successful opening of a Citigold/Citi Priority account through online appointment.
    • New funds exclude transfer of funds within the Bank. Transfer-in Mutual Funds/Bonds/Securities (Hong Kong, US or A shares via Hong Kong Shanghai Connect) will be counted as New Funds. Only Mutual Funds/ Bond offered by Citibank (Hong Kong) Limited, Citibank, N.A., Citigroup Inc. will be accepted. The transfer-in process may take at least 2 to 3 months.
  9. Payroll Account Offer:
    To be eligible for Payroll Account Offer, new clients must:
    • Successfully open a Citigold Private Client / Citigold / Citi Priority account and a Step-Up Interest Account; and
    • Start depositing monthly salary (payroll) into the Step-Up Interest Account for 12 consecutive months via the autopayroll service or standing instructions within the first 3 calendar months from account opening (including the month of account opening and the 2 months following); and
    • Fulfill the requirements stated in respective banking account’s New Funds Offer and sign the fund maintenance agreement.
    • The Bank reserves the right to reclaim the full cash value of the gift if the consecutive monthly payroll deposit is halted at any time in the first year after account opening.
      Banking Services Monthly Salary
      (HK$ 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 Debit Mastercard with Mastercard payment function and make at least one purchase via the Mastercard 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.
  10. 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 August 1 to September 30, 2018, 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 Client Referral Offer is not applicable to Referrers and Referees if the Referee is a resident individual of the European Union, European Economic Area (EEA) or any other jurisdictions where referral activity is restricted. Please consult a bank representative for details.
  4. The referrer must be existing Citigold Private Client / Citigold / Citi Priority client of The Bank while referee(s) (new client) apply for banking account.
  5. 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.
  6. 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 the New Fund Offer requirements:
    Referral Offer (Cash Rebate)
    Citigold Private Client Citigold Citi Priority
    HK$5,000 each HK$1,500 each HK$1,000 each
  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 Client Referral Offer is not applicable to Referrers and Referees if the Referee is a resident individual of the European Union, European Economic Area (EEA) or any other jurisdictions where referral activity is restricted. Please consult a bank representative for details.
  3. The Promotion Period is valid from July 1 to September 30, 2018, 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 before November 30, 2018.
  4. 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.
  5. 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.
  6. Referee does not and did not own any AIA in-force life insurance policy purchased through Citibank at the point of insurance application.
  7. 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 successfully applied an AIA Life Insurance Basic Plan through Citibank during the Promotion Period and such policy is issued on or before November 30, 2018, with the following minimum annualized premium* Referral Offer (Cash Rebate)
    US$70,000 / HK$560,000 / RMB466,667 HK$5,000 each
    US$25,000 / HK$200,000 / RMB 166,667 HK$1,500 each
    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.
  8. 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.
  9. 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.
  10. To be eligible to the Insurance Member-Get-Member Offer, 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 September 30, 2018. Referrer must register online at (http://www.citibank.com.hk/insmgm) during the program period. Once successfully registered, no cancellation or change can be made. Client who has not completed such online registration within the said timeline will not be rewarded. 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.
  11. 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.
  12. 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.
  13. The Insurance Member-Get-Member Offer reward will be credited to the Referrer's Citibank account on or before January 31, 2019.
  14. The reward under the Insurance Member-Get-Member Offer is capped at HK$35,000 per Referrer.
  15. 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.
  16. 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.
  17. 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.
  18. 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.

Terms and Conditions for Insurance Financial Needs Analysis:

  • Each client can only enjoy the Financial Needs Analysis offer once during the promotion period. For Citigold Private client/Citigold /Citi Priority and Citibanking, customers will be offered a Gold-plated figurine or will be offered up to HK$300/$200/$100 cash rebate respectively after completed the Financial Needs Analysis. All gifts are available on a first come first served basis while stock lasts. Terms and Conditions apply and client can refer to the Terms and Conditions printed on the gift. Citibank (HK) Ltd is an appointed agent for insurance companies.

Mortgage Loan Member-get-Member (MGM) Program:

  • The Member-get-Member Program is applicable to any mortgage loan application submitted from Jul 1, 2017 to Dec 31, 2018 (both dates inclusive) and the mortgage loan is successfully drawn down in Citibank. To be eligible for the Cash Reward, the customers (both the Referrer and the Referee) must fill in a referral form and submit to us at loan application. The Cash Reward cannot be used in conjunction with any other member-get-member program.
  • The Referee’s mortgage loan must be HK$2,000,000 or above. Any existing loan top-up or staff loan is not eligible for this program.
  • Citibank (Hong Kong) Limited (“Citibank”) reserves the right to (a) request the Referrer to provide verification materials of the contact details of the Referee, and (b) in the absolute opinion of Citibank, refuse granting the Cash Reward to the Referrer should it be discovered by Citibank that the contact details of the Referee are invalid or improperly obtained by the Referrer.
  • The Referrer must be a holder of a Citibank account or a credit card. The Referee must not currently hold any mortgage with Citibank; the Referee cannot be the same person as the Referrer. The Referrer must not be a borrower, a mortgagor or a guarantor of the applicable mortgage application.
  • The Cash Reward will be credited to the Citibank Account held by the Referrer within 3 months of the loan drawdown of the applicable mortgage loan. The Referrer should have a valid Citibank Saving / Checking account at the time when the Cash Reward is credited.
  • This program is not applicable if the Referrer is a U.S. person.
  • The Referee is not applicable for this Cash Reward if the mortgage application is referred by other referral program.
  • The Client Referral Offer is not applicable to Referrers and Referees if the Referee is a resident individual of the European Union, European Economic Area (EEA) or any other jurisdictions where referral activity is restricted. Please consult a bank representative for details.
  • Self referral is not accepted. Any Citibank staff is eligible for this program but (a) they should not be eligible for any other incentive programs relating to other mortgage referrals, and (b) any sales representatives who may have mortgage incentive shall not be eligible. Staff to staff referral arrangement will not be considered.
  • Citibank reserves the right to vary or cancel this program and/ or amend any of these Terms and Conditions at anytime without prior notice. All matters and disputes will be subject to the final decision of Citibank.
  • The English version of these Terms and Conditions shall prevail wherever there is a discrepancy between the English and the Chinese versions.
  • Please call our referral hotline 2963 6489 for enquires.