Remarks:
1. Cardholders must make qualified transactions with a Citi Rewards Card ("Eligible Card") in the designated merchant categories, which are Department Stores, Supermarkets and Telecom Providers in Hong Kong ("Designated Merchant Categories") ("Qualified Transactions"). Telecommunications spending stands for transactions at designated Telecommunications companies and monthly autopay of your telecommunications bill payments such as mobile service, household fixed line, internet service and pay TV.
2. All Qualified Transactions are entitled to 5X Points for which 5 Points will be rewarded for every HK$1 charged, which include the basic spending reward of 1 Point rewarded under the Citi ThankYou Rewards and the extra 4 Points ("the Extra 4X Points").The Extra 4X Points will be capped at 50,000 Points to each Eligible Card account per statement cycle.
3. All Qualified Transactions made during the Principal Cardholders' birthday month (based on transaction date) are entitled to 8X Points for which 8 Points will be rewarded for every HK$1 charged, which include the basic spending reward of 1 Point rewarded under the Citi ThankYou Rewards, the extra 4 Points rewarded under the "5X Points" Program and the extra 3 Points rewarded under "8X Birthday Bonus Points" Program ("the Extra 3X Points").The Extra 3X Points will be capped at 15,000 Points to each Eligible Card account per statement cycle.
4. All welcome offers are only applicable for New Citi Credit Card Customers. New Citi Credit Card Customers are defined as applicants who currently do not hold and have not held any principal card of Citi Credit Card within the past 12 months from the date of card issuance. Spending requirements apply. For details, please refer to Welcome Offer Terms and Conditions.

General Terms and Conditions:
1. Unless otherwise specified, these programs apply to principal and supplementary cardholders ("Cardholders") of Citi Rewards Card issued by Citibank (Hong Kong) Limited ("Citibank") ("Eligible Card"). The respective merchants may reject an Eligible Card if their payment system cannot handle some of the Eligible Card types. Please contact the respective merchants for details.
2. If Cardholders have subsequently cancelled / reversed any transactions in respect of which offers are rewarded, Citibank reserves the absolute right to charge the equivalent value of such offers directly from the Eligible Card account without prior notice.
3. Cardholders must maintain valid Eligible Card accounts with good credit record in order to be eligible for the offers. In case there is any fraud / abuse, Citibank reserves the absolute right to charge the equivalent value of the offers rewarded under these programs directly from the Eligible Card account without prior notice, forfeit the Cardholder's eligibility to be entitled to the offers, and/or suspend the Eligible Card account for investigation without prior notice.
4. Availability of the offers is subject to offer or service availability, account status checking and final acceptance by Citibank and the respective merchant's absolute discretion.
5. Citibank shall not be responsible for any matters in relation to the related products or services. The respective merchants are solely responsible for all obligations and liabilities relating to such products or services and all auxiliary services.
6. Citibank and the respective merchants reserve the right to amend the terms and conditions without prior notice.
7. All matters and disputes are subject to the final decision of Citibank and the respective merchants.
8. In the event of any discrepancy between the English and Chinese versions of these terms and conditions, the English version shall prevail.

Terms and Conditions for Points Accumulations and Redemption
1. Cardholders of Citi Rewards Card will be awarded 1 Point per HK$1(or equivalent foreign currency) charged. Cardholders of Citi Rewards UnionPay Card will be awarded 1 Point per HK$1 (or equivalent foreign currency) charged in the HKD account or CNY1 charged in the CNY account. Citibank reserve the right to change at any time and without prior notice the ratio between
(a) Point(s) to be awarded; and
(b) the specified amount charged to the Eligible Card account.
2. For Citi Rewards UnionPay Card, all Points are accumulated under the HKD Account.
3. 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.
4. Unless otherwise specified, only principal Cardholders are eligible for Points redemption.
5. Invalid transactions not eligible for Points include, but are not limited to, cash advances, fees and charges, withdrawal amount under the Balance Transfer Program, Cash Conversion Program and Quick Cash Installment Program, “FlexiBill” Installment Program and “PayLite” Installment Program, payment to the Inland Revenue Department, casino transactions, online bill payment, transactions through Faster Payment System (FPS) Service, dynamic currency conversion transactions, or unposted /cancelled /refunded transactions.
6. For Citibank Credit Card accounts denominated in CNY, invalid transactions incurred in Mainland China (excluding Hong Kong and Macau) not eligible for Points include, but are not limited to, properties, automobile, wholesales, air tickets, fuel, supermarkets, hospitals and schools, and other charges designated by Citibank from time to time.
7. Citibank may add to, or remove from, the list of invalid transactions as stated in Clauses 5 and 6 above from time to time at its discretion. The decision of Citibank as to what constitutes an invalid transaction shall be final and conclusive.
8. Points earned on Citi Rewards Card are evergreen.
9. Should any transaction in the monthly statement be cancelled or refunded for whatever reason, the Points earned in respect to those transactions will be deducted or cancelled.
10. Citi ThankYou Rewards Teerms and Conditions apply for all Points related offers. Please visit https://www.citirewards.com/cms/sites/globalrewards-hk-eng/terms-and-conditions.page

General Terms and Conditions for the "5X Points" Program and the "8X Birthday Bonus Points" Program:
1. To enjoy the offers, Cardholders must make qualified transactions with an Eligible Card in the designated merchant categories, which are Department Stores, Supermarkets and Telecom Providers in Hong Kong ("Designated Merchant Categories") ("Qualified Transactions"). Telecommunications spending stands for transactions at designated Telecommunications companies and monthly autopay of your telecommunications bill payments such as mobile service, household fixed line, internet service and pay TV.
2. Designated Merchant Categories are subject to the definition of Visa, Mastercard International and UnionPay International's Merchant Data Standards and the settings of the acquiring bank. Qualified Transactions made by principal and supplementary Cardholder(s) of the same Eligible Card account are counted collectively in calculating the Points. Qualified Transactions do not include any unposted / cancelled / refunded / falsified / unauthorized transactions / dynamic currency conversion transactions or transactions made overseas, including Mainland China and Macau/ Interest-free Installment Plan. Qualified Transactions shall be determined at the sole and absolute discretion of Citibank.

Terms and Conditions for the "5X Points" Program:
1. The "5X Points" Program is valid from now until further notice (based on the transaction date).
2. All Qualified Transactions are entitled to 5X Points for which 5 Points will be rewarded for every HK$1 charged, which include the basic spending reward of 1 Point rewarded under the Citi ThankYou Rewards and the extra 4 Points ("the Extra 4X Points").
3. The Extra 4X Points will be credited to the Eligible Card account a day after the transaction is posted, and capped at 50,000 Points to each Eligible Card account per statement cycle.

Terms and Conditions for the "8X Birthday Bonus Points" Program:
1. The "8X Birthday Bonus Points" Program is valid from January 1, 2016 until further notice during the Principal Cardholders' birthday month (based on transaction date).
2. All Qualified Transactions made are entitled to 8X Points for which 8 Points will be rewarded for every HK$1 charged, which include the basic spending reward of 1 Point rewarded under the Citi ThankYou Rewards, the extra 4 Points rewarded under the "5X Points" Program and the extra 3 Points rewarded under "8X Birthday Bonus Points" Program ("the Extra 3X Points").
3. The Extra 3X Points will be credited to the Eligible Card account a day after the transaction is posted, and capped at 15,000 Points to each Eligible Card account per statement cycle.

Terms and Conditions for "Discounts on Coupon Redemption Rate" Program:
1. The "Discounts on Coupon Redemption Rate" Program is valid from January 1, 2016 until further notice (based on redemption date).
2. In order to enjoy the privileged redemption rates of designated coupons ("Offers"), Cardholders shall redeem the coupons online by logging onto the Citi ThankYou Rewards with the Eligible Card and required Points shall be deducted from the Eligible Card account(s).
3. The Offers are available on a first-come-first-served basis while stock lasts. Any changes of the Offers will be subject to the availability of coupons at the time of redemption.
4. The use of the coupons is subject to the terms and conditions stipulated by the respective merchants.
5. Photos, product specifications and prices are for reference only.