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After making transactions, simply offset your transactions using Pay with Points
via Citi Mobile® App with just a few taps!

You can offset your transactions with Citi Points
Using Pay with Points is just so easy!

Citi Mobile® App
Online Merchants
Push Notification
Always Pay With Points
Statement Credit will apply towards the statement balance of the following statement of the Eligible Cardholder's Eligible Card, but not the minimum payment due or statement balance of the statement(s) that are already issued. The required minimum payment due or payment in full of the statement balance stated on the monthly issued statement(s) of Eligible Card must be paid pursuant to the terms of the Cardholder Agreement of the Eligible Card.
Use Your Citi Points with all-round channels to shop, dine and more.
Explore the merchants and use points the way you want!

Activate Push Notification in Citi Mobile® App, then it takes just a few clicks to offset designated local transactions with Citi Points after your spending.

Alternatively, you can view the Pay with Points Push Notification under at the top right
Smart Tips

Remember to switch on Push Notification in Citi Mobile App® to receive the Pay with Points Push Notification

Remarks:
1. “Pay with Points - Push Notification Redemption Service” is only applicable to principal cardholders of eligible Credit Cards.
2. The redemption rate varies by eligible Credit Card types, selected merchants and selected merchant categories, and may change from time to time. The Points required and the exact redemption amount are based on the display at the Citi Pay with Points microsite at the time of redemption.
* The offer is only applicable to cardholders who receive the Push Notification. Please refer to Terms and Conditions for more details.
** Refers to retail and online transactions settled in Hong Kong Dollars with a single spending upon HK$50 or above.
^ Statement credits will be posted to the corresponding Credit Card account within 7 calendar days and will be shown in the next statement cycle.

"Pay with Points - Push Notification Redemption Service" Terms and Conditions

After payment through the merchant’s online platforms, you can offset partial or whole transaction directly using your earned Citi Points. Pay with your Points to shop, dine, and more as you wish!

Want to know which merchants accept Citi Pay with Points?

Shopping & Leisure

You can shop online at Elecboy with a designated Citi Credit Card and use Citi Points to offset your spending seamlessly!

Pay with Points Tutorial
Shop at Elecboy eshop now!
Click here to learn more about “Citi Pay with Points” Terms and Conditions.

Whether registering for a new number or carrying over your existing mobile number, pick your desired plan and pay smarter by offsetting your monthly bill payments with Citi Pay with Points. Using points as cash is just so cool!

Pay with Points Tutorial
The above interface and numbers are for reference only
Download Birdie App or visit the website now!
Click here to learn more about “Citi Pay with Points” Terms and Conditions.

After shopping for new electronic gadgets at FORTRESS eShop, you can offset your spending seamlessly with Citi Pay with Points!

Pay with Points Tutorial
The above interface and numbers are for reference only
Download FORTRESS App or visit the website to shop now!


Click here to learn more about “Citi Pay with Points” Terms and Conditions.

Buy everything you and your family need at one convenient spot – HKTVmall. Now, you can offset your spending with Citi Pay with Points directly. Enjoy costless shopping today!

Pay with Points Tutorial
The above interface and numbers are for reference only
Download HKTVmall App or visit the website to shop now!


Click here to learn more about “Citi Pay with Points” Terms and Conditions.

Looking to cultivate everyday elegance with an extra spice? Simply shop with your Citi Credit Card and use Citi Points to offset your spending!

Pay with Points Tutorial
Download PNS app or visit the website to shop now!
Shop at Pinkoi now!
Click here to learn more about “Citi Pay with Points” Terms and Conditions.

By shopping online at PNS eShop (www.PNS.hk or PNS app) with your Citi Credit Card, you can offset your spending with Citi Points effortlessly!

Pay with Points Tutorial
Download PNS app or visit the website to shop now!
Click here to learn more about “Citi Pay with Points” Terms and Conditions.

You can use Citi Pay with Points to offset your spending at over 100,000 WeChat Pay HK merchants. It’s just so convenient!

Pay with Points Tutorial
The above interface and numbers are for reference only
Download WeChat Pay App now!


Click here to learn more about “Citi Pay with Points” Terms and Conditions.

Pay with Points is now available at YOHO eShop. Shop with your Citi Credit Card and offset your spending seamlessly using your Citi Points!

Pay with Points Tutorial
The above interface and numbers are for reference only
Shop at YOHO eshop now!
Click here to learn more about “Citi Pay with Points” Terms and Conditions.

Now you can offset the spending easily with Citi Points after using Citi Credit Card for your purchases of FlyAway Travel Insurance Plan or Zurich Ideal Home Plan through Citi, and HomeChoice Insurance Plan through Zurich. It takes just a few simple clicks!

Pay with Points Tutorial
Travel Insurance Plan
Travel Insurance Plan
(Upgrade to the Premier Plan - Limited to cardholders of Citi PremierMiles Card and Citi Prestige Card only )
Ideal Home Plan
The above interface and numbers are for reference only
Subscribe now! View Zurich Insurance Plans and get quotes now!
Click here to learn more about “Citi Pay with Points” Terms and Conditions.
The above interface and numbers are for reference only
Subscribe now! View Zurich Insurance Plans and get quotes now!
Click here to learn more about “Citi Pay with Points” Terms and Conditions.
Entertainment

Now you can offset your ticket transactions seamlessly using Citi Pay with Points via Broadway Circuit App or website and enjoy discounted redemption rate as low as 190 Citi Points to HK$1. It takes just a few simple clicks. Enjoy costless movie experience in cinema today!

Pay with Points Tutorial
The above interface and numbers are for reference only
Download Broadway Circuit App or visit the website to buy tickets now!


Click here to learn more about “Citi Pay with Points” Terms and Conditions.

Now you can offset your ticket transactions seamlessly using Citi Pay with Points via Cinema City App or website and enjoy discounted redemption rate as low as 190 Citi Points to HK$1. It takes just a few simple clicks. Enjoy costless movie experience in cinema today!

Pay with Points Tutorial
The above interface and numbers are for reference only
Download Cinema City App or visit the website to buy tickets now!


Click here to learn more about “Citi Pay with Points” Terms and Conditions.

Get your tickets effortlessly at Cityline now!

Pay with Points Tutorial
The above interface and numbers are for reference only
Download Emperor Cinemas App or visit the website to buy tickets now!


Click here to learn more about “Citi Pay with Points” Terms and Conditions.

Now you can offset your ticket transactions seamlessly using Citi Pay with Points via Emperor Cinemas App or website and enjoy discounted redemption rate as low as 190 Citi Points to HK$1. It takes just a few simple clicks. Enjoy costless movie experience in cinema today!

Pay with Points Tutorial
The above interface and numbers are for reference only
Download Emperor Cinemas App or visit the website to buy tickets now!


Click here to learn more about “Citi Pay with Points” Terms and Conditions.

Now you can offset your ticket transactions seamlessly using Citi Pay with Points via Golden Harvest Cinemas App or website and enjoy discounted redemption rate as low as 190 Citi Points to HK$1. It takes just a few simple clicks. Enjoy costless movie experience in cinema today!

Pay with Points Tutorial
The above interface and numbers are for reference only
Download Golden Harvest Cinemas App or visit the website to buy tickets now!


Click here to learn more about “Citi Pay with Points” Terms and Conditions.

Now you can offset your ticket transactions seamlessly using Citi Pay with Points via MCL App or website and enjoy discounted redemption rate as low as 190 Citi Points to HK$1. It takes just a few simple clicks. Enjoy costless movie experience in cinema today!

Pay with Points Tutorial
Download MCL Cinemas App or visit the
website to buy tickets now!
Click here learn more about “Citi Pay with Points” Terms and Conditions.

Use Citi Pay with Points at RECON payment gateway under reconpayment.com and other webpages under such domain!

Pay with Points Tutorial
Download MCL Cinemas App or visit the
website to buy tickets now!
Click here learn more about “Citi Pay with Points” Terms and Conditions.
Travel & Commute

Now you can offset your fares with Citi Pay with Points and get a chance enjoy a free ride. Wait no more, link your Citi Credit Card in HKTaxi now!

Pay with Points Tutorial
The above interface and numbers are for reference only
Download HKTaxi App now!


Click here to learn more about “Citi Pay with Points” Terms and Conditions.

Planning for your next trip? Offset transactions of travel products seamlessly with Citi Pay with Points. Don’t miss this chance, act now!

Pay with Points Tutorial
The above interface and numbers are for reference only
Download hutchgo App now!


Click here to learn more about “Citi Pay with Points” Terms and Conditions.

Citi Pay with Points is now available at KKday. You can offset spending at Hong Kong KKday platform using an eligible Citi Credit Card seamlessly with Citi Pay with Points. Visit KKday now and discover the unforgettable journey!

Pay with Points Tutorial
The above interface and numbers are for reference only
Download KKday App or visit KKday.com to book your trip now!


Click here to learn more about “Citi Pay with Points” Terms and Conditions.

Now you can offset your staycation package and theme park tickets purchased on Klook seamlessly by using Citi Pay with Points!

Pay with Points Tutorial
The above interface and numbers are for reference only
Download Klook App or visit Klook.com to book your trip now!


Click here to learn more about “Citi Pay with Points” Terms and Conditions.
Dining

Now you can offset your big meal seamlessly using Citi Pay with Points for Genki Sushi’s online orders! Using your Citi Points is faster and easier than ever!

Pay with Points Tutorial
The above interface and numbers are for reference only
Download Genki Sushi App or visit Takeaway Ordering Platform to place your order now!


Click here to learn more about “Citi Pay with Points” Terms and Conditions.

The upgraded Citi Pay with Points x OpenRice has expanded into 3 NEW services to cater your dining needs for all occasions! In addition to voucher, you can now scan to pay at restaurants, order takeaway and book with pre-paid menu with your Citi Points instantly! Add your Citi Credit Card to OpenRice App now!

How to bind card?

Pay with Points Tutorial
The above interface and numbers are for reference only
Download OpenRice App or visit openrice.com place your order now!


Click here to learn more about “Citi Pay with Points” Terms and Conditions.

Citi Pay with Points is available in Starbucks® Reward Mobile App now! You can offset your spending with your Points!

Pay with Points Tutorial
The above interface and numbers are for reference only
Download the Starbucks Hong kong App now :
Click here to learn more about “Citi Pay with Points” Terms and Conditions.

Earning and accumulating Citi Points are just so easy. You can also use them seamlessly and flexibly! Simply convert your Citi Points to different merchants’ reward points or e-Gift Vouchers via your favorite merchants’ apps and websites. Convert and use instantly and spend them as cash effortlessly!

Want to know which merchants accept Citi Points Conversion?

Reward Points

AlipayHK covers over 50,000 merchants across Hong Kong. You can directly convert your Citi Points to AlipayHK e-Gift Vouchers via AlipayHK App. After conversion, spend with AlipayHK and use the vouchers to offset your payment and satisfy your daily needs effortlessly!

Conversion Tutorial
The above interface and numbers are for reference only
Not yet become an AlipayHK member?

Download AlipayHK App and bind your Citi Credit Card now!



Terms and Conditions apply when converting Citi Points to AlipayHK e-Gift Vouchers. Click here to learn more.

Simply link your VISA credit card in Bloom App, and spend with it to earn Bloom rebates automatically without even opening the app! You can also convert your Citi Points to Bloom Coins to redeem various items and shopping vouchers as you wish!

Conversion Tutorial
The above interface and numbers are for reference only
Not yet become a Bloom member?

Download Bloom App to register now!



Terms and Conditions apply when converting Citi Points to Bloom Coins. Click here to learn more.

Book a taxi using HKTaxi at any time and convert Citi Points to Taxi Dollars for your own or your family’s use. It’s just so convenient! After conversion, simply spend the Taxi Dollars as cash and enjoy a free ride.

Conversion Tutorial
The above interface and numbers are for reference only
Not yet become a HKTaxi App user?

Download HKTaxi App now!



Terms and Conditions apply when converting Citi Points to Taxi Dollars. Click here to learn more.

You can spend K Dollar as cash at over 1,000 participating merchants including K11 MUSEA, K11 Art Mall, Chow Tai Fook designated outlets, D·PARK, Rosewood Hong Kong and so much more, or settle the management fees for New World Residential Properties.

Click here to view the full list of participating merchants

Conversion Tutorial
The above interface and numbers are for reference only
Not yet become a K11 HK App user?

Download K11 HK App or visit the website to register now!



Terms and Conditions apply when converting Citi Points to K Dollar. Click here to learn more.

Eager to save more for your daily commute to/from office or school? You may now use Citi Points for your bus ride! Convert Citi Points to club1933 points at App1933, with which you may redeem eCoin to pay the fares directly on over 4,000 KMB and Long Win buses. You can also redeem KMB gifts with club1933 points!

Conversion Tutorial
Download App1933 to convert Citi Points to KMB club1933 points now!
Become a club1933 member
Register for eCoin
Terms and Conditions apply when converting Citi Points to KMB club1933 points. Click here to learn more.

MoneyBack is Hong Kong’s largest retail membership platform. You can convert Citi Points to MoneyBack Points and use at 600+ MoneyBack partner stores, including PnS eShop, Watsons and FORTRESS. For every 50 Points, you can spend as HK$1. It’s just so flexible!

Conversion Tutorial
The above interface and numbers are for reference only
Not yet become a MoneyBack member?

Download MoneyBack App to register now!



Terms and Conditions apply when converting Citi Points to MoneyBack Points. Click here to learn more.

Shangri-La Circle provides members with a world of privileges across 100+ hotels from around the world. Convert your Citi Points to Shangri-La Circle Points and treat yourself to a series of unforgettable journeys, scrumptious delights, spa treatments and so much more!

Conversion Tutorial
The above interface and numbers are for reference only
Not yet become a Shangri-La Circle member?

Download Shangri-La Circle App now to register now!



Terms and Conditions apply when converting Citi Points to Shangri-La Circle Points. Click here to learn more.

The Club Platform offers a plethora of products, not only allowing you to purchase various kinds of items, but also enabling you to convert Citi Points to Clubpoints and use them to offset the bills of CSL, netvigator, HKT and etc.

Conversion Tutorial
The above interface and numbers are for reference only
Not yet become a member of The Club?

Download The Club App or visit the website to register now!



Terms and Conditions apply when converting Citi Points to Clubpoints. Click here to learn more.

The Point members can earn and accumulate points after making e-payment at the participating merchants under SHKP. Simply log into The Point App to convert your Citi Points to The Point bonus points. After conversion, you can use the points to redeem different offers and gifts via App straight away.

Conversion Tutorial
The above interface and numbers are for reference only
Not yet become a member of The Point?

Download The Point App nowor visit the website to register now!



Terms and Conditions apply when converting Citi Points to The Point bonus points. Click here to learn more.
e-Gift Voucher

At Circle K, not only can you buy a bundle of food, drinks and magazines, you can also enjoy a wide range of services. What’s more, you can convert Citi Points to Circle K Cash Coupons directly via OK Stamp It App and redeem a spectrum of fabulous rewards!

Conversion Tutorial
The above interface and numbers are for reference only
Not yet become a Circle K Stamp It member?

Download Circle K App and bind your Citi Credit Card now!



Terms and Conditions apply when converting Citi Points to Circle K Cash Coupons. Click here to learn more.

ifc mall comprises a unique combination of shopping, leisure and entertainments. You can directly convert Citi Points to Citi-ifc mall e-Gift Vouchers via ifc mall App and use them to shop straight away!

Conversion Tutorial
The above interface and numbers are for reference only

Download ifc mall App now!



Terms and Conditions apply when converting Citi Points to Citi-ifc mall e-Gift Vouchers. Click here to learn more.

Times Square houses a wide variety of shopping, dining, leisure and entertainment options, providing diverse experiences to customers. Register as a Team Times Member on Times Square App and convert Citi Points into Times Square e-Voucher for use at over a hundred of participating merchants in the mall.

Conversion Tutorial
The above interface and numbers are for reference only

Download ifc mall App now!



Terms and Conditions apply when converting Citi Points to Citi-ifc mall e-Gift Vouchers. Click here to learn more.
Cash Rebate

We have made redeeming Cash Rebate with Points even easier and more flexible in Citi Mobile® App!
You can also choose the amount you want to redeem. It’s now all under your control! More flexibility!

Cash Rebate apply towards the Cardholder's next month's Card Account statement balance, but not the current month's minimum or total payment due. The required minimum and total payment reflected on the current Card Account statement must be paid pursuant to the terms of the Card Agreement.
Points Transfer
Transfer your Points easily to travel loyalty programs

With Points Transfer, you can easily transfer your Points to a variety of loyalty programs. Travel anytime as you wish and get yourself prepared!
Conversion Rate
12Points=1Airline Miles/Hotel Points
15Points=1Airline Miles/Hotel Points
Citi Ultima Card,
Citi Prestige Card and
Citi PremierMiles Card
Citi Plus® Credit Card,
Citi Rewards Card,
Citi HKTVmall Card,
Citi Gold Card and
Citi Classic Card
Participating travel loyalty program:
  • • British Airways Executive Club
  • • Cathay
  • • Emirates Skywards
  • • Etihad Guest
  • • Eva Air Infinity MileageLands
  • • Flying Blue
  • • IHG Rewards Club
  • • Qantas Frequent Flyer
  • • Qatar Airways Privilege Club
  • • Singapore Airlines KrisFlyer
  • • Thai Airways Royal Orchid Plus
  • • Virgin Atlantic Flying Club
*For Citi Plus® Credit Card, Citi Rewards Card, Citi HKTVmall Card, Citi Gold and Citi Classic Card, HK$200 will be charged per redemption Points Transfer redemption with a minimum conversion unit of 18,000 Points.
The handling fee does not apply to Citi Ultima Card, Citi Prestige Card and Citi PremierMiles Card.
The minimum Points conversion amount is 18,000 Points and each
Point conversion amount should be in multiples of 18,000.

Don’t yet have Citi Mobile® App?
Download now

      

Terms & Conditions for "Citi ThankYouSM Rewards"

  1. Citi ThankYouSM Rewards Program

    Citi ThankYouSM Rewards is a loyalty rewards program offered at the sole discretion of Citibank (Hong Kong) Limited ("Citibank"). Unless otherwise specified, Citi ThankYouSM Rewards is only applicable to the holders ("Cardholders/Cardmembers") of the following principal cards of all Citi Credit Cards issued by Citibank excluding Citi The Club Credit Card, Citi Cash Back Card, Citi Clear Card and Octopus Citi Credit Card (“Eligible Card”).

    The terms "we", "us" and "our" used throughout these terms and conditions refer to Citibank. The terms "you" and "your" throughout these terms and conditions refer to Cardholders/Cardmembers. Citibank is entitled at any time and without any prior notice or liability in any manner whatsoever to terminate Citi ThankYouSM Rewards; cancel or vary its benefits or features; vary, add to or delete any of these terms and conditions; withdraw or change the Cardholders'/Cardmembers' account; modify or limit the value of Points and/or the manner of their redemptions even though any of such acts may diminish the value of the Points already accumulated. Citi Thank You Rewards is valid until it is replaced by a new program or until such time as may be determined by Citibank without prior notice.

  2. Citi ThankYouSM Rewards Member Account and Points

    A Citi ThankYouSM Rewards Member account ("Member Account") will be set up to record your Point activity. Unless otherwise stated in these terms and conditions, Points accumulate and expire and you will be informed thereof in your Eligible Cards statements. Point earned and accumulation can be accessed on your Citi Mobile® App. Points have no cash value. Points may not be assigned, transferred or pledged to any third party. You have no property rights or other legal interests in Points.

  3. Citi ThankYouSM Rewards Member Account Closures

    Each Eligible Card has a separate Account with Citi ThankYouSM Rewards. If your Member Account is closed for any reason, you will lose the Points therein Citi ThankYouSM Rewards. If your Eligible Card is closed, you will no longer be able to accumulate and may lose the Points that you earned through Citibank and through Citi Thank You Rewards on the Eligible Card account.

  4. Point Reductions

    Any Points subtracted from your Member Account may reduce or eliminate accumulated Points and may result in a negative Point balance. If such subtractions are applied to your Member Account after a reward for redemption has been selected that reduces your Point balance below the amount required for such reward redemption, Citi ThankYouSM Rewards may suspend redemption of the requested reward. Your Member Account may be frozen until you have accumulated the Points necessary for redemption. If your Member Account has a negative Point balance, any newly accumulated Points will be used to offset that negative balance.

  5. Member Account Activity

    We have the right to monitor all Member Account activity. If required by applicable law or as requested by Citibank, we may freeze your Member Account. If your Member Account is frozen, please contact CitiPhone Banking for further assistance. If your Citi ThankYouSM Rewards Member Account shows signs of fraud, abuse or suspicious activity, you may lose your accrued Points, and, as a result of this activity, we may close or freeze your Member Account immediately. If you have conducted any fraudulent activity, we reserve the right to take any necessary legal action and may have grounds to confiscate any rewards redeemed as a result of such activity. In addition, you may be liable for monetary losses to Citibank, including litigation costs and damages, and you will not be allowed to participate in the Citi ThankYouSM Rewards in the future.
    If your Member Account does not represent the correct number of Points that you should have been awarded as determined by us, we reserve the right to adjust your point balance. If you have been awarded Points in error or if you believe your Member Account has been the subject of any suspicious activity, please contact CitiPhone Banking immediately. If it is determined you have been the victim of fraud, the Points you have earned will be transferred to a new Member Account.

  6. Account Delinquency

    If your Eligible Card is in default, your Point earning and redemption capabilities may be frozen. Upon extended delinquency status (more than 90 days) your Points will be forfeited.

  7. Liability Disclaimer

    Citibank, its affiliates, and any merchants participating in Citi Thank You Rewards make no guarantees, warranties or representations of any kind concerning Citi ThankYouSM Rewards. All rewards are void where prohibited by applicable local laws or regulations and are subject to change as may be necessary to comply with such laws or regulations. Citibank, its affiliates, and any merchants participating in Citi ThankYouSM Rewards are not liable with regard to the use of rewards that, after receipt, may be lost, stolen or destroyed. All participating Citi ThankYouSM Rewards merchants are in no way affiliated with Citi ThankYouSM Rewards, nor are they responsible for the administration thereof.

  8. My Undertaking and Responsibilities

    • I agree not to allow anyone else to operate the Services on my behalf.
    • I shall keep the User ID, Password, Device Password, Card Number, PIN and/or OAC (together the "Security Codes") secure and confidential. I shall not disclose or permit any of the Security Codes to be disclosed to any unauthorized person or control of any unauthorized person. If I discover or suspect that any of the Security Codes are known to someone else, compromised, lost or stolen and/or control of any unauthorized person or that and/or that any authorized use of the Services is being made, I shall immediately inform you via CitiPhone Banking at (852) 2860 0333.
    • I undertake to:
      • keep the Security Codes secret and shall not disclose or permit any of the Security Codes to be disclosed to any unauthorized person or control of any unauthorized person and if I act in good faith and am diligent in safeguarding the Security Codes, I shall not be liable for any unauthorized transactions made through the Services;
      • inform Citibank as soon as reasonably practicable if I know or suspect that someone else knows any of the Security Codes or control of any unauthorized person or that unauthorized transactions have taken place and if I fail to do so I shall be liable for any unauthorized transactions made;
      • be liable for all losses if I act fraudulently or with gross negligence including but not limited to properly safeguard or knowingly allow the use by others of any of the Security Codes. However, I shall not be liable for indirect, special or consequential loss or damages; and
      • not to decompile, reverse-engineer, translate, convert, adapt, alter, modify, enhance, add to, delete or in any way tamper with, or gain access to, any part of the Services or any website established, operated and/or maintained by or on behalf of you (the "Internet Site"), or any software comprised in them.
    • Unless below Clause on Unauthorized Transactions applies, I shall be fully liable and responsible for all consequences arising from or in connection with the use of the Services (including, without limitation, the use of any of the Security Codes).
    • Unauthorized Transactions: Subject to below clause on Liabilities of the Bank, I am also not responsible for unauthorized transactions in the Accounts (if I have not acted fraudulently or with gross negligence) caused by:
      • a computer crime not prevented by Citibank security system;
      • a human or system error caused by Citibank resulting in an improper transaction leading to lost or misplaced funds; or
      • a missed or mis-directed payment caused by Citibank.
    • In case any Account which is accessible through the Services is a joint or partnership account, I shall be responsible for the liabilities and obligations of the other account holder (s) or partner (s) howsoever arising on a joint and several basis.
    • I shall check my accounts and statements on a regular basis and inform Citibank as soon as reasonably practicable about any errors or unauthorized transactions.
    • I shall indemnify you against all liabilities, claims, demand, losses, damages, costs, charges and expenses of any kind (including, without limitation, legal fees on a full indemnity basis) which may be incurred by you and all actions or proceedings which may be brought by or against you in connection with the provision of the Services or the exercise of your powers and rights under these Terms and Conditions, unless due to your gross negligence or willful default or unless above Clause on Unauthorized Transactions applies.
  9. Liabilities of the Bank

    • Unless there is gross negligence or willful default of you, you shall not be liable to me for - use of the Services and/or access to any information as a result of such use by me or any other person whether or not authorized;
      • any interruption, interception, suspension, delay, loss, unavailability, mutilation or other failure in providing the Services (including but not limited to any interruption, interception, suspension, delay or failure to generate the Device Password and/or the OAC), in transmitting instructions or information relating to the Services or in connecting with the website caused by any acts, omissions or circumstances beyond your reasonable control, including without limitation any computer, telecommunication, electrical or network failure;
      • transmission and/or storage of information and/or data relating to me, the Services and/or transactions or dealings conducted by me pursuant to the Services through or in any system, equipment or instrument of communication network provider.
    • You do not warrant or represent that the Services and the Internet Site are free from virus or other destructive features which may adversely affect my hardware, software or equipment.
    • Subject to the provisions herein, if you are found liable for your acts or omissions for any reason whatsoever, your liability shall be limited to the amount of the relevant transaction or my direct damages whichever is less. You shall not be liable to me for any indirect, special or consequential loss or damages.
    • In connection with any transfer of funds through the use of the Services to a third party account maintained with you or other financial institutions or persons, you will not assume any responsibility or obligation for any transfer or error arising out of my failure to provide or input sufficient or accurate data to enable my proposed transfer.