Citibank Hong Kong

A. General Terms & Conditions

Unless otherwise specified, the offers are only applicable to principal and supplementary cardholders (the "Cardholders") of Citi Prestige Card ("Eligible Card") issued by Citibank (Hong Kong) Limited ("Citibank"). Each principal card account and its supplementary card account(s) will be treated as one eligible card account (the "Eligible Card Account").

Cardholders are required to settle payment with Eligible Card in order to enjoy the offers. Unless otherwise specified, the offers cannot be used in conjunction with other special promotion or discounts or promotional coupons or exchanged for cash.

Availability of the offers is subject to stock availability, account status checking and final acceptance by Citibank at its absolute discretion. All photos and prices are for reference only.

Citibank shall not be responsible for any matters in relation to the related products or services provided by the respective merchants. The respective merchants are solely responsible for all obligations and liabilities relating to such products or services and all auxiliary services.

Citi ThankYou Rewards Terms and Conditions apply for all Points related offers. For details, please visit: citibank.com.hk/thankyourewards-en.

Citibank and the respective merchants reserve the right to vary or cancel the offers and/ or amend or alter these terms and conditions at any time without prior notice. In the event of any dispute, Citibank's and the respective merchants' decision shall be final and conclusive.

In the event of any discrepancy between the English and Chinese versions of these terms and conditions, the English version shall prevail.

B. World Elite Mastercard Terms & Conditions

The World Elite benefits are brought to Citi Prestige Cardholders by Mastercard. For more information and full terms and conditions, please refer to the following webpage of Mastercard: specials.priceless.com/en-ap/homepage.

C. Terms & Conditions for Citi Prestige Card Preferential Mileage Earn Rate

Cardholders will be awarded 12 Points (1 mile) per HK$6 local transaction posted or 12 Points (1 mile) per HK$4 (or equivalent foreign currency) for all eligible overseas and online foreign currency transactions. Overseas and online foreign currency transactions are defined as transactions settled in currencies except Hong Kong dollar, Renminbi or Macau Patacas (including internet transactions). Unless otherwise specified, all Points earned by the Cardholders of the Eligible Card will be accumulated under Principal Cardholder’s account and only Principal Cardholders are eligible for Points Redemption. 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, payment to the Inland Revenue Department, casino transactions, online bill payment, insurance transactions and transactions on charity donations/non-profit organisations (according to the merchant codes issued by Visa, Mastercard Worldwide or UnionPay (as applicable) from time to time), transactions through Faster Payment System (FPS) Service, or unposted/ cancelled/ refunded transactions. Principal Cardholder can redeem Cash Rebate or offset your transactions using Pay with Points through Citi Mobile^® App.

D. Terms & Conditions for Citi Prestige Card Welcome Offer (“Promotion”)

Unless specified, the promotion period is valid from January 1, 2026 to March 31, 2026, both days inclusive (“Promotion Period”).

Customers must submit the application form and successfully apply for a principal card of Citi Prestige Card (“Eligible Card”) issued by Citibank (Hong Kong) Limited (“Citibank”) within the Promotion Period and have their Eligible Card successfully approved on or before April 30, 2026 (“Eligible Cardholders”).

The Promotion is not applicable to customers who currently hold, have cancelled or have held Eligible Card within the past 12 months from the month of application for the Eligible Card.

Eligible Cardholders will be entitled to the following “Welcome Offer” upon successful physical card activation within a month from the date of card issuance and fully pay the first-year annual fee of HK$3,800:

Welcome Offer Criteria	Welcome Offer
Eligible Cardholders with an existing Citigold Private Client or Citigold banking account (“Eligible Banking Account”) or successfully apply for one before the Fulfillment Period (as define in clause 7).	Total 720,000 Points (60,000 Miles)
Eligible Cardholders without Eligible Banking Account in Fulfillment Period	Total 360,000 Points (30,000 Miles)

The Promotion is not applicable to customers who currently hold, have cancelled or have held Eligible Card within the past 12 months from the month of application for the Eligible Card.

For joint banking accounts (if applicable), only the primary account holder is eligible for the Welcome Offer.

Welcome Offer will be credited to the Eligible Cardholder’s account 2 calendar months after the first year annual fee has been billed and fully paid (“Fulfilment Period”). The annual fee can neither be waived nor reversed under any circumstances.

Citibank will determine the eligibility of Eligible Cardholders for the Welcome Offer at its sole and absolute discretion.

Welcome Offer cannot be transferred or exchanged for cash nor any other items.

10.

According to the current conversion rate, customer may redeem 30,000 Miles for 360,000 Points and 60,000 Miles for 720,000 Points. The conversion rate is subject to changes from time to time without prior notice.

11.

Terms and Conditions of the Citi ThankYou^sm Rewards Program apply. For details, please visit: citibank.com.hk/thankyourewards-en

12.

If Eligible Cardholders are entitled to receive any other promotional offers under other promotions, Citibank reserves the right to provide only one of the promotional offers at its sole discretion.

13.

This Promotion is not applicable to (a) U.S. Persons or (b) The European Union (EU) and European Economic Area (EEA) residents.

14.

The referenced document provides information about, and access to accounts and financial services provided by Citibank (Hong Kong) Limited and Citibank, N.A. Hong Kong Branch in Hong Kong. It does not, and should not be construed as, an offer, invitation or solicitation of services to individuals residing outside of Hong Kong. This referenced document is not intended for distribution to, or use by, any person in any country where such distribution or use would be contrary to local law or regulation, and none of the services or investments referred to in this referenced document are available to persons resident in any country where the provision of such services or investments would be contrary to local law or regulation.

15.

Eligible Cardholders must maintain a valid Eligible Card and Eligible Banking Account (if applicable) with good credit record during the Fulfilment Period in order to be eligible for the Welcome Offer. In case of any fraud/abuse/reversal or cancellation of the transactions in respect of which Welcome Offer was awarded, Citibank reserves the absolute right to charge an amount equivalent to the value of the Welcome Offer awarded directly from the Eligible Cardholders’ credit card accounts, forfeit the Eligible Cardholder’s eligibility to be entitled to the Promotion, and/or suspend the credit card account for investigation without prior notice.

16.

If Eligible Cardholder subsequently cancels the designated Eligible Card within one year from the date of card issuance, Citibank reserves the right to debit from the Eligible Cardholders’ credit card accounts the equivalent amount of the welcome offers awarded under this promotion.

17.

Citibank reserves the right to amend the Terms and Conditions without prior notice. All matters and disputes are subject to the final decision of Citibank.

18.

These Terms and Conditions are governed by and construed in accordance with the laws of the Hong Kong Special Administrative Region.

19.

In the event of any discrepancy between the English and Chinese versions of these Terms and Conditions, the English version shall prevail.

E. Terms and Conditions for "Citi ThankYou^sm Rewards Program":

Please visit: citibank.com.hk/thankyourewards-en

F. Terms & Conditions for Citi Prestige Card Annual Relationship Points Program (the "ARP Program")

Principal Cardholder's entitlement of Annual Relationship Points percentage rate ("Percentage Rate") depends on his/ her length of relationship with Citibank ("Length of Relationship") and whether the Principal Cardholder is holding a Citigold Private Client/ Citigold account. Length of Relationship would be determined by the year of the earliest account opened date the Principal Cardholder has an established relationship with Citibank either in credit card and/ or banking accounts. All account(s) should still be valid and in good standing in order to be eligible for determining the length of relationship and the respective Percentage Rate. For Principal Cardholder who does not have banking account(s) with Citibank, the Percentage Rate is determined on the respective anniversary of the Principal Cardholder’s Citi Prestige Card opened date ("Anniversary Date").

	Percentage Rate
Length of Relationship (Years)	Principal Cardholder without Citigold Private Client/ Citigold account	Principal Cardholder with Citigold Private Client/ Citigold account
1	5%	10%
2 to 5	7%	15%
6 to 9	10%	20%
>=10	15%	30%

Points earned under the ARP Program are calculated on an annual basis by multiplying the Percentage Rate with the total eligible spending amount charged to the Eligible Card Account in one full year from the Anniversary Date. Eligible spending excludes invalid transactions 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, payment to the Inland Revenue Department, casino transactions, online bill payment, insurance transactions and transactions on charity donations/non-profit organisations (according to the merchant codes issued by Visa, Mastercard Worldwide or UnionPay (as applicable) from time to time),transactions through Faster Payment System (FPS) Service, “PayAll” Service, or unposted/ cancelled/ refunded transactions.

Points earned under the ARP Program are credited to the Eligible Card Account within one month after the Anniversary Date.

G. Terms & Conditions for Citi Prestige Card Concierge Program ("Concierge Program")

The Concierge Program is provided by an Appointed Concierge Vendor ("ACV").

Participation of the Concierge Program will be deemed as acceptance of the terms and conditions hereby listed below in addition to the terms and conditions of any participating merchant or service provider or other authorized agent.

Cardholders acknowledge and agree that Citibank can provide ACV with information (including any personal data of Cardholders) necessary to verify the validity of the Cardholder's Eligible Card.

Cardholders agree that any personal information collected or held by ACV is provided and may be held, used and disclosed by ACV to third parties for the purpose of providing the Concierge Program.

Citibank shall not in any way be liable for any goods or services or the quality or performance of such goods and services supplied by any participating merchant or service provider or other authorized agent under the Concierge Program. The Cardholders should seek redress and direct any complaints or comments in respect of such goods and services to the respective participating merchant, provider or agent.

Citibank and ACV undertake to exercise due care and diligence in the appointment and/ or referral of any participating merchant or service provider or other authorized agent to assist the Cardholders under the Concierge Program. However, Citibank and ACV assume no responsibility for any advices and services given by any such participating merchant or service provider or other authorized agent.

Citibank and ACV shall not be required to provide the Concierge Program to Cardholders located in areas which in the sole opinion of Citibank and ACV represent war risks, political or other conditions such as to make such services impossible or reasonably impracticable.

Cardholders shall not have any recourse against Citibank and ACV for any inconvenience, loss or damage which the Cardholder may attract or incur as a result of Citibank and/ or ACV referral of or contact with a participating merchant or service provider or other authorized agent on behalf of the Cardholders.

H. Terms & Conditions for Citi Prestige Card International Complimentary Night Hotels and Resorts Program (“Fourth Night Free Program”)

The Principal Cardholders of Citi Prestige Card issued by Citibank (“Eligible Principal Card”) will enjoy one complimentary fourth night with no black-out dates, when booking four consecutive nights at hotel booked by Citi Prestige Concierge (“Citi Prestige Concierge” is operated by a third-party service provider) (“Complimentary Night Offer”). Bookings made through other methods such as, travel agents, websites or directly with a hotel will not qualify. Room types that do not qualify for this benefit include but are not limited to, full and half board room stays, home and farm stays, hostels, house boats, motels, pensions, package stay and member rates, such as air and hotel, hotel and car rental, hotel and meals bundled promotion.

The Fourth Night Free Program can only be used by the Principal Cardholders, and cannot be combined with any other promotions or discounts, including the use of corporate code discounts and loyalty rewards by hotel or property.

To receive the complimentary night (via a statement credit) for a stay, the Principal Cardholder must be the booking, staying and paying guest on the reservation. The Principal Cardholder must (i) Book a reservation in the Principal Cardholder’s name for a minimum, consecutive four-night stay by contacting and booking directly with the Citi Prestige Concierge; (ii) Stay at the hotel for the entire reservation; (iii) Fully pay for the entire stay with an Eligible Principal Card; and (iv) not have enjoyed Complimentary Night Offer in any hotel in the same city within the 7 nights immediately preceding this stay.

The Principal Cardholder will receive a credit based on the average nightly rate of the first four-night stay in the same hotel property. Taxes of any kind will no longer be credited. Hotel imposed fees, including but not limited to dining or resort fees, and incidental guest charges are the Principal Cardholder’s responsibility.

The Principal Cardholder will be charged the total cost of the full stay upon booking and will receive a credit to the credit card statement as set forth above. Customers will be booking a “pre-paid” rate and are required to make upfront payment in full, at the time of booking. Payment in full is defined as pre-payment for all consecutive nights.

All statement credits will be reflected on the Citi Prestige Card statement as a result of the Program and will appear within two billing periods following the completion of full payment and the month in which travel was completed. Foreign exchange conversion rates may fluctuate resulting in slight differences in the amount credited.

Only one complimentary night will be granted and will limited to one room per Principal Cardholder. A stay is a minimum of four consecutive nights booked in the same hotel property. Back-to-back stays will not be honored. “Back to back” is defined as consecutive stays in the same hotel, same city and in a different hotel, in the same city. “City” is defined by Google Maps and anywhere outside of the boundary is considered another city. “Consecutive Stays” is defined as any stays in which the check in date less than 7 days from the previous check out date.

Cancellations and Reversals
All cancellations must be done through the Citi Prestige Concierge. Cancellation and amendment fees may apply depending on the terms and conditions of the hotel. If the reservation is cancelled, any statement credit relative to the Complimentary Night Offer will be reversed, based upon the eligibility and satisfaction of the terms of the Complimentary Night Offer. Citibank reserves the right to reverse a statement credit including, and without limitation, any refunds, returns, disputes, adjustments or fraudulent card activity.

Citibank will not be liable for any loss or damage incurred as a result of any interaction between a Principal Cardholder and a Merchant (a “Merchant” is a travel supplier) with respect to the Fourth Night Free Program. Except as set forth herein, all matters, including but not limited to delivery of goods and services, returns, and commitments are solely and strictly between the Principal Cardholder and the applicable Merchants, subject to applicable law. The Principal Cardholder acknowledges that Citibank does not endorse or provide commitments of any kind in relation to the Merchants that are accessible through the Fourth Night Free Program, nor the Offers that they provide.

10.

By consenting to the Terms and Conditions of the Fourth Night Free Program (“Hotel Terms”), the Principal Cardholder agrees that: (i) the Principal Cardholder represents only the Principal Cardholder here and no other person; (ii) that the Principal Cardholder is of the legal age of majority in order to enter into contracts; and (iii) the Principal Cardholder will provide accurate information to Citibank and Citi Prestige Concierge, including, but not limited to, information required to register for the Fourth Night Free Program; and (iv) the Principal Cardholder will not use the Fourth Night Free Program for any purpose that is unlawful or prohibited by the Hotel Terms.

11.

For any Fourth Night Free Program related questions, please contact the Citi Prestige Concierge at 2860 0338.

I. Terms & Conditions for Citi Prestige Card Golf Program

General Conditions

a.	The golf benefits (“Golf Offer”) is valid from January 1, 2026 to December 31, 2026 (“Promotion Period”).
b.	The Golf Offer can only be used by Eligible Principal Cardholder.
c.	Principal Cardholder is required to book directly with Citi Prestige Concierge or Citi Prestige Golf Booking website and Principal Cardholder cannot take over tee times transferred from other golfers/ participating club members to be used in conjunction with this Golf Offer.
d.	The service provider for the Golf Offer is Apexlynx LeisureSport Private Limited (“Apexlynx”).
e.	Each Principal Cardholder is entitled to three (3) complimentary green fee rounds at each of the 12 participating golf clubs limited to a maximum of eighteen (18) complimentary green fee rounds per year within the Promotion Period, and is subjected to the specific conditions below:
	• Limited to Maximum of 18 Golf Rounds per year within the Promotion Period per cardholder
	• Limited to 3 golf rounds per club per year
	• No mandatory accompanying paying guest is required
	Additional conditions for specific golf clubs:

• Mission Hills Golf Club

	• Complimentary Green Fee rounds on Weekdays or Weekends Golf
	• Minimum one-night stay for every tee time booking

• Sentosa Golf Club
• Kuala Lumpur Golf & Country Club

• Complimentary Green Fee rounds on Weekdays Golf only

	• Chung Shan Hot Spring Golf Club
	• Foison Golf Club
	• Dongguan Hillview Golf Club
	• Long Island Golf & Country Club
	• Zhuhai Golden Gulf Golf Club
	• Montgomerie Links Vietnam
	• Red Mountain Golf Club
	• St. Michael Golf Club
	• Emirates Golf Club (Friday and Saturday are considered weekends in UAE)

• Complimentary Green Fee rounds on Weekdays or Weekends Golf only

f.	Principal Cardholder and his/ her guest(s) must have valid handicap to book a tee time and should hold a valid golfer’s insurance as individual golf clubs may impose golf insurance requirements.
g.	Principal Cardholder must adhere to all the terms and conditions when making a golf booking request (see “Reservations” section below), or the booking request would be rejected.
h.	At all times, only one active golf booking per Cardholder is allowed. For the avoidance of doubt, Principal Cardholder may only place a new golf booking after the completion of an active booking.
i.	The Golf Offer cannot be used in conjunction with other promotions, discounts or offers, participation in corporate golf events, private golf events or golf tournaments.
j.	Principal Cardholder is not allowed to use this program to request a pairing, or to join a flight booked by other golfers/ participating club members. Citibank reserves the right to refuse such requests. All pairings are at the sole discretion of, and administered by, the participating golf clubs.
k.	Principal Cardholder understand and acknowledge that participating golf clubs will not engage in any direct correspondence, enquires and/ or attempts for checking availability and bookings from Citi Prestige Principal Cardholder. This privilege is not to be regarded as a membership at the participating golf clubs. Citibank reserves the right to reject the booking if Principal Cardholder makes enquiries/ bookings directly at the club or transfer a confirmed tee time to another Citi Prestige Principal Cardholder.

Reservations

a.	All bookings must be made through the Citi Prestige Concierge or Citi Prestige Golf Booking website.
b.	The Golf Offer is valid for weekdays and weekends unless otherwise stated. Some golf clubs only allow restricted day and tee time for bookings on weekends.
c.	The Golf Offer is not valid for public holidays. The policy and definition for public holidays varies by golf clubs and according to the country/ state/ city of the golf club(s) that is/ are located. If a public holiday falls on a Sunday, it will be treated as a public holiday. For Mission Hills Golf Club, both public holidays in China and Hong Kong apply.
d.	Minimum balls per flight may be required for tee-off as per respective golf clubs’ policies in order for bookings to be processed.
e.	Weekday bookings must be made at least 5 calendar days in advance and weekend bookings must be made at least 7 calendar days in advance. Principal Cardholder cannot book a tee time more than 14 calendar days in advance. Note that intended tee-off date is not counted. (As an example, tee time request for a Saturday must be made latest by Saturday of the previous week).
f.	Acceptance of all golf bookings, pairings and changes to tee times will be at the discretion of the participating golf clubs and are strictly subject to availability. Principal Cardholder will not be granted access to the participating golf clubs without a prior confirmed booking made through the Citi Prestige Concierge or Citi Prestige Golf Booking website.

Payment Terms

a.	All other guests shall pay green fees, buggy, caddie, turf mate, locker fee, insurance, taxes and all other ancillary and miscellaneous charges (“Other Usage Charges”) at normal published rates stipulated by the golf clubs.
b.	Principal Cardholder will pay for Other Usage Charges at normal published rates stipulated by the golf clubs.
c.	All payment made in relation to usage of the golf privileges and other usage charges incurred, including the golfing fee for guest(s) where applicable while utilizing the golf privileges must be settled with an Eligible Principal Card.
d.	All applicable charges will be charged by Apexlynx onto the Eligible Principal Card.
e.	All charges will be made in the local currency of the participating golf club at which the game is booked and played or in equivalent United States Dollars (USD) where required.

Cancellations and Amendments

a.	Cancellations and amendments must be made through the Citi Prestige Concierge or Citi Prestige Golf Booking website.
b.	Any amendment and cancellation for bookings must be made at least 3 working days prior to tee-off date for all participating golf clubs.
c.	For Mission Hills Golf Club, no cancellation or amendment is allowed upon confirmation of tee-time and Principal Cardholder shall pay full published rates for cancellation and no-show.
d.	Cancellations made less than 3 working days, late arrivals or no-shows shall be subjected to a penalty of 100% of the full published rates stipulated by the participating golf clubs.
e.	Amendment fee of US$10 + applicable GST shall apply if changes are made after a booking is confirmed.
f.	Rain check is as per golf club’s policy and varies from club to club. No golf round will be deducted if golf course closes its course due to bad weather. However, if a rain check issued by the golf club directly to the Principal Cardholder, the golf round will be treated as valid and played.

Miscellaneous

a.	The Golf Offer is valid for golf course access only. It does not provide Principal Cardholder and his/ her guests with access to the other recreational facilities at the participating golf clubs.
b.	Principal Cardholder and his/ her guest(s) acknowledge and agree that Citibank is not responsible for non-fulfillment of any privileges or any defect or lack of service or goods supplied by third parties, including the participating golf clubs. Accordingly, Principal Cardholder irrevocably agrees not to claim against Citibank or Apexlynx in relation to any loss, damage, disappointment or distress of any kind arising from his/ her use or attempted use of Citi Prestige Golf Privileges, including but not limited to failure or inadequacy of service or fulfillment of privileges by the participating golf clubs.
c.	Citibank reserves the right at any time and without assigning any reason, to change or to cancel any participating golf clubs.
d.	To the fullest extent permissible by law, the Principal Cardholder and his/ her guest(s) releases Citibank, Apexlynx and the respective participating golf clubs from any claim, injury, loss, damage, cost or expense (including any claim for legal expenses) sustained or incurred by him/ her in connection with his/ her participation or attempted participation in the Citi Prestige Golf Privileges.
e.	Citibank, Apexlynx and the participating golf clubs reserve the right to amend and exercise the final interpretation of the terms and conditions of this Golf Offer.

J. Terms & Conditions for Citi Prestige Card Priority Pass Lounge Access

The Priority Pass Digital Membership Card ("PPC") is offered by Priority Pass (A.P.) Limited ("PPL") to the principal cardholders (the "Principal Cardholders") of Citi Prestige Card ("Eligible Card") issued by Citibank (Hong Kong) Limited ("Citibank") only. Other than the principal cardholder, the PPC is not transferable and is only valid up to its date of expiration. The PPC may not be used by any person other than the Principal Cardholder. Improper use of the PPC could constitute fraud.

Citibank and PPL shall not be held responsible for any disputes that may occur between the Principal Cardholder and/or any accompanying guests and a Lounge operator. Principal Cardholders acknowledge and agree that Citibank can provide PPL with information (personal data of Principal Cardholders provided in the enrollment site) to verify the validity of the Eligible Card and offer the PPC.

For new Citi Prestige Cardholders with card approval after May 1, 2021, a unique invitation code will be sent to Citi Mobile® App within 60 days after card activation. For existing cardholders with card approval on or before May 1, 2021, the unique invitation code will be sent to their Citi Mobile® App on or after June 14, 2021. To enjoy the Priority Pass Lounge Access, all Principal Cardholders have to register for a membership through https://www.prioritypass.com/citihkprestige.

Principal Cardholders wishing to access a Lounge must present their digital lounge access code (this may be obtained by creating an account through https://www.prioritypass.com/citihkprestige. By providing the Eligible Card information the Principal Cardholder consents to the use of such information by PPL and Citibank for verification purposes and in connection with the services in accordance with these Terms and Conditions) or Citi Prestige Card to the Lounge receptionist and quote “PP Member”. No Cardholder will be granted access to the Lounge without their digital lounge access code or Citi Prestige Card. A valid boarding pass and an acceptable form of identification may also be required.

Principal Cardholders can enjoy one complimentary Lounge visit per arrival or departure at each airport, and each additional visit will incur an entrance fee of US$35 (or at the prevailing rate). Each accompanying guest (including Supplementary Cardholders) should pay an entrance fee of US$35 (or at the prevailing rate) for each access.

In the event a Citi Prestige Card has been renewed/ lost/ stolen or if the card number has been changed, the Principal Cardholder is required to update his/ her new card information by logging into his/her account on Priority Pass website in order to enjoy complimentary Lounge access. For further assistance, please contacting Priority Pass Representative at +852 2866 1964 or via Priority Pass website or Priority Pass app. Help > Contact US > Send us a message.

In any event of the Citi Prestige Card being cancelled, the Citi Prestige Card or digital lounge access code shall be invalid effective from the cancellation date of the Citi Prestige Card. Any Lounge visits using, including any guests thereafter, remain the liability of the Principal Cardholder.

Lounges are owned and operated by third party organizations. The Principal Cardholder must abide by the rules and policies of each participating location, and the Principal Cardholder accepts that provision of a valid Citi Prestige Card or digital lounge access code for a Lounge does not ensure access to that Lounge. The Principal Cardholder accepts that Citibank or PPL has no control over the Lounge’s decision on whether to admit any Principal Cardholder or accompanying guest, the number of people allowed in at any time, facilities offered, the opening/closing times, the length of time customers may spend in the location, any charges payable above and beyond those included in the Lounge access, or the personnel employed by the Lounge.

Use of the Lounge access is not transferable. Complimentary Lounge access may not be used by any person other than the Principal Cardholder.

10.

Applicability of Lounge access for children varies according to each specific Lounge’s policies. Inclusion of children with regard to eligibility for the Lounge is at the discretion of the Lounge involved.

11.

Use of Lounge access is subject to the Principal Cardholder and accompanying guests behaving and dressing in an appropriate manner and in accordance with the relevant Lounge terms. Any Principal Cardholder or guest not complying with such terms may be asked to vacate the Lounge. Citibank or PPL is not liable for any loss suffered by the customer where a Lounge has refused admission or Lounge use because the Principal Cardholder has not complied with the Lounge terms or the individual Lounge’s terms and conditions.

12.

Lounges have no obligation to announce flights and the Principal Cardholder accepts that Citibank or PPL shall not be held liable for any direct or indirect loss resulting out of any Principal Cardholder failing to board his/her flight(s). Further, it is the Principal Cardholder’s responsibility to check the relevant entry requirements for any country being visited and to have the correct travel documentation for the journey.

13.

In the event that Citibank elects to cancel this privilege, Citibank will notify all Principal Cardholders in writing 30 days prior to the discontinuation of PPC. If the Principal Cardholder continues to use PPC after the effective date of cancellation, the Principal Cardholder accepts full liability to pay for all subsequent Lounge visits. These visits will automatically be billed to the Eligible Principal Card. If the Eligible Card is declined for whatever reasons, the Principal Cardholder agrees that he/ she will pay for the visit by another method of payment.

14.

Other Conditions of Use and Terms of Use apply. For details, please refer to the PPL Website (https://www.prioritypass.com/en/conditions-of-use).

K. Terms & Conditions for Citi Prestige Card Plaza Premium Lounge Access

The offer is valid till December 31, 2026.

Each Principal Cardholder can enjoy complimentary access to the listed designated Plaza Premium Lounges once per day.

A same day boarding pass and Citi Prestige Card must be presented to enjoy access to the Hong Kong International Airport Plaza Premium Lounge.

Each accompanying guest shall pay an entrance fee of HK$250 for each access, which will be debited from the Cardholder’s Citi Prestige Card directly within 4 months from the access date.

Other fees may apply depending on services chosen and selected location entered.

Lounges are owned and operated by third party organizations. The Principal Cardholder must abide by the rules and policies of each participating location, and the Principal Cardholder accepts that a same day boarding pass and Citi Prestige Card for a Lounge does not ensure access to that Lounge. The Principal Cardholder accepts that Citibank has no control over the Lounge’s decision on whether to admit any Principal Cardholder or accompanying guest, the number of people allowed in at any time, facilities offered, the opening/closing times, the length of time customers may spend in the location, any charges payable above and beyond those included in the Lounge access, or the personnel employed by the Lounge.

Use of the Lounge access is not transferable. Complimentary Lounge access may not be used by any person other than the Principal Cardholder.

Use of Lounge access is subject to the Principal Cardholder and accompanying guests behaving and dressing in an appropriate manner and in accordance with the relevant Lounge terms. Any Principal Cardholder or guest not complying with such terms may be asked to vacate the Lounge. Citibank is not liable for any loss suffered by the customer where a Lounge has refused admission or Lounge use because the Principal Cardholder has not complied with the Lounge terms or the individual Lounge’s terms and conditions.

10.

Lounges have no obligation to announce flights and the Principal Cardholder accepts that Citibank shall not be held liable for any direct or indirect loss resulting out of any Principal Cardholder failing to board his/her flight(s). Further, it is the Principal Cardholder’s responsibility to check the relevant entry requirements for any country being visited and to have the correct travel documentation for the journey.

11.

Offer subject to availability.

12.

In the event of any discrepancy between the English and Chinese versions of these terms and conditions, the English version shall prevail.

L. Terms and Conditions for Citi Prestige Card Complimentary Buggy Service Program (“the Program”)

Unless otherwise specified, the promotion period is from July 1, 2025 to March 31, 2026 (both dates inclusive) (“Promotion Period”).

Each Principal Cardholder can enjoy complimentary electric vehicle transportation service (“Offer”) at Hong Kong International Airport upon meeting the Eligible Spending Conditions.

“Eligible Spending Conditions” refers to foreign currency spending of HK$5,000 equivalent using Eligible Card within 30 days before/after the electric vehicle transportation service at departure or/and arrival.

A same day boarding pass and Citi Prestige Card must be presented at the ALLWAYS Concierge Counter nearby Gate 1 on Level 6 at Departure Hall (for departure) and at Arrival Gate (for arrival) to enjoy the Offer.

For Arrival service, booking must be made at least 48 hours prior to the commencement of the service by contacting Citi Prestige Concierge or ALLWAYS’ reservation department during office hours at:

Tel: +852 2275 0090
E-mail: HKG@ALLWAYSVIP.COM

Principal Cardholders will be required to provide flight details for the staff to check if his/her departure or arrival gate is eligible. If the arrival gate falls outside the shuttle deployment coverage, the buggy service will be automatically cancelled without prior notification.

Up to 5 passengers are entitled per electric vehicle transportation ride including the Principal Cardholder and his/ her accompanying guests.

Each Principal Cardholder can enjoy the offer twice per calendar month.

Electric vehicle transportation service is only available within the operating hours of ALLWAYS Concierge Hong Kong. Operating hours: 05:00 – 01:00 (HKT).

For Departure service, the ALLWAYS Concierge Counter for Electric Buggy Service pick up is located the Departures Hall, after clearing Departures immigration, nearby Gate 1 on Level 6. The service is available for Departure Gates 10 – 12, Gates 23 – 80 within Terminal 1.

10.

For Arrival service, the Electric Buggy Service pick up is at arrival gate requested by guest at time of booking to Gate 11 nearby immigration. The service is available for Arrival Gates 25-80 within Terminal 1.

11.

Children aged twelve (12) and under must be accompanied by an adult aged eighteen (18) or above.

12.

Safety is the priority. Please note the speed limits posted in vehicles.

13.

The service is available from one pick-up point to one drop off point, either from ALLWAYS Concierge Counter nearby Gate 1 on Level 6 (for departure) and at Arrival Gate (for arrival).

14.

ALLWAYS reserves the right to collect additional fees in the event there are more than 5 passengers in a ride.

15.

Other fees may apply depending on services chosen.

16.

Electric vehicle transportation and related service are owned and operated by third party organizations. Principal Cardholder must abide by the rules and policies the third party, and Principal Cardholder accepts that a same day boarding pass and Citi does not ensure availability of the service. Principal Cardholder accepts that Citi has no control over the third party’s decision on whether to provide service to any Principal Cardholder or accompanying guests, the number of people allowed or the servicing hours.

17.

Use of the Offer is not transferable. The Offer may not be used by any person other than the Cardholder.

18.

Inclusion of children with regard to eligibility for the service is at the discretion of the third party involved.

19.

Citi is not liable for any loss suffered by the customer where the third party has refused provision of service because the Principal Cardholder has not complied with the third party’s terms and conditions. The third party has no obligation to announce flights and the Principal Cardholder accepts that Citi shall not be held liable for any direct or indirect loss resulting out of any Principal Cardholder failing to board his/her flight(s). Further, it is the Principal Cardholder’s responsibility to check the relevant entry requirements for any country being visited and to have the correct travel documentation for the journey.

20.

The Offer is subject to availability and quota is limited on a first-come-first-served basis.

21.

In case of any fraud/abuse/reversal or cancellation of transactions included in the calculation of the spending conditions, Citi reserves the right to debit from the Principal Cardholders’ card accounts the equivalent amount of the offers awarded without prior notice.

22.

In the event of any discrepancy between the English and Chinese versions of these terms and conditions, the English version shall prevail.

23.

The electric vehicle transportation service is provided with remarks below:

• Principal Cardholders shall place the booking for arrival buggy service at least forty-eight (48) hours prior to the commencement of the services.
• Cancellation/ Amendment Fee:

Time	Cancellation/Amendment
More than 48 hours before commencement of service	No Charge
24-48 hours before commencement of service	50%
Less than 24 hours before commencement of service	100%

M. Terms & Conditions for Citi Prestige Card Hong Kong Jockey Club VIP Box Program

1. The Hong Kong Jockey Club (the “Club”) Citi VIP Box service ("Offer") is valid on designated race days from September 10, 2025 to July 12, 2026 ("Promotion Period").

2. Unless otherwise specified, the Offer applies to the Principal Cardholders ("Eligible Cardholders") of Citi Prestige Card (“Eligible Card”) issued by Citibank (Hong Kong) Limited ("the Bank").

3. Cardholders are required to make reservations through booking hotline: (852) 2860 0318 between 11 and 31 days prior to the race day (subjected to requirement of each race day) and settle the payment with Eligible Card to enjoy the Offer.

4. Each table can accommodate 4 guests in Citi VIP Box and each guest need to pay HK$1,105. Eligible Cardholders can only make reservations for either 4 seats or 8 seats on each race day, with a maximum of 2 free admissions. For example, if Eligible Cardholders would like to make a reservation for 5 guests, they are required to reserve for 8 seats with 2 free admissions, in total HK$1,105X6 guests=HK$6,630 would need to be paid.

Example:

No. of Attendance	Reservations Required	No. of free admissions received	No. of admissions chargeable	Total costs incurred (HK$)
1	4	2	2	$2,210
2	4	2	2	$2,210
3	4	2	2	$2,210
4	4	2	2	$2,210
5	8	2	6	$6,630
6	8	2	6	$6,630
7	8	2	6	$6,630
8	8	2	6	$6,630

5. Upon successful reservation, a confirmation letter and admission badges will be dispatched by courier to the Cardholders' specified mailing address within 3 days prior to the race day. Courier services are not applicable to addresses in the Outlying Islands. Admission badges cannot be transferred or re-issued.

6. Cardholders cannot relocate the assigned tables, change the table numbers, or combine tables without prior consent.

7. The dress requirement for Citi VIP Box is casual. Singlets, shorts and flip-flops are not acceptable.

8. If Cardholders cancel their reservations or fail to show up, the payment will not be refunded. No compensation will be made if the paid and free admissions are not used.

9. Admission to The Hong Kong Jockey Club Citi VIP Box is restricted to persons aged 18 or above on all race days.

10. Cardholders using the Citi VIP Boxes are required to comply with all the rules and regulations of The Hong Kong Jockey Club, in particular, the General Bye-laws, Members’ Facilities Bye-laws, Race Day Bye-laws and Badge Bye-laws, as well as any instructions of the Club’s staff. The Club reserves the right to refuse admission to or evict any person who fails to comply with the Club’s rules and/or regulations. The Bank shall not be responsible for any such refusal or eviction.

11. The Club may cancel or abort any race meeting on the occurrence of any event beyond the control of the Club or in respect of which the Club considers it unsafe or unsuitable for the races to be conducted or continued, which includes but not limited to act of God (including typhoon, heavy rain and other extreme weather conditions etc.), fire, war (declared or undeclared), acts of terrorism, riot, civil commotion or disorder, unlawful actions of third parties, industrial disputes including strikes, lockouts or other labour disturbances, closure or blockage of roads, suspension of or major disruption to public transport, act of government including imposition of any law or regulation, curfew or declaration of state of emergency. The Bank shall not be responsible for any such cancellation or abortion.

12. The collection and use of personal data by the Club is governed by the Club’s own Privacy Policy Statement (http://www.hkjc.com/english/corporate/corp_privacy.asp). Cardholders shall read and understand the Club’s Privacy Policy Statement before providing any personal data for making reservation with the Club.

13. Unless otherwise specified, the Offer cannot be used in conjunction with other special promotions, discounts or promotional coupons, nor be transferred or exchanged for cash or other offers.

14. In case of any fraud/ abuse, the Bank reserves the absolute right to charge the equivalent value of the Offer awarded under this promotion directly from the Cardholders' banking / credit card account and/or forfeit the Cardholders' eligibility to be entitled to the Offer without prior notice.

15. The Bank shall not be responsible for any matters in relation to the quality of the products or services offered. The Hong Kong Jockey Club is solely responsible for all obligations and liabilities relating to such products or service and all auxiliary services.

16. The Bank and The Hong Kong Jockey Club reserve the rights to amend the Terms and Conditions at any time without prior notice.

17. All matters and disputes are subject to the final decision of the Bank and The Hong Kong Jockey Club.

18. In the event of discrepancy between this English version of the terms and conditions and the Chinese version, the English version shall prevail.

N. Terms & Conditions for "Purchase Protection Insurance and E-Commerce Protection Insurance"

1. The Purchase Protection Insurance and E-Commerce Protection Insurance are brought to Citi Prestige Cardholders by Mastercard. For full insurance coverage, exclusions and terms and conditions, please refer to the following webpage of Mastercard: https://specials.priceless.com/en-hk/benefits or call 24-hour Citi Prestige Concierge at 2860 0338.

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 a 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. Cardholders are required to settle payment in full with an Eligible Card in order to enjoy the offers. Unless otherwise specified, the offers cannot be used in conjunction with other special promotion or discounts or promotional coupons or exchanged for cash.

5. Availability of the offers is subject to stock availability, account status checking and final acceptance by Citibank at its absolute discretion. All photos and prices are for reference only.

6. Citibank shall not be responsible for any matters in relation to the related products or services provided by the respective merchants. The respective merchants are solely responsible for all obligations and liabilities relating to such products or services and all auxiliary services.

7. Citi ThankYou Rewards Terms and Conditions apply for all Points related offers. For details, please visit citibank.com.hk/thankyourewards-en.

8. Citibank and the respective merchants reserve the right to vary or cancel the offers and/ or amend or alter these terms and conditions at any time without prior notice. In the event of any dispute, Citibank's and the respective merchants' decision shall be final and conclusive.

9. In the event of any discrepancy between the English and Chinese versions of these terms and conditions, the English version shall prevail.

O. Terms and Conditions for "Free Travel Insurance"

1. The period of the Free Travel Insurance is valid for travel journey between April 1, 2025 and March 31, 2026 (both dates inclusive).

2. To be eligible for free travel insurance, (a) either one or more of the following has/have been purchased or settled by the principal cardholder with his/her Citi Prestige Card: (1) the inward and outward-bound travel ticket(s) to/from Hong Kong for the insured journey; and/or (2) the accommodation cost for the entire insured journey; and/or (3) the whole tour package for the insured journey; (b) in the event that condition (a) above is not satisfied but instead one or more of the items stated in (1), (2) and (3) above has been acquired with points earned by a rewards program, any additional costs (including tax and fuel surcharge and any fees which is required to be paid according to any local requirement (if applicable)) must be paid by the principal cardholder with his/her Citi Prestige Card; (c) in the event that condition (a) above is not satisfied but instead part of the fees for one or more of the items stated in (1), (2) and (3) above is settled by discount or coupon offered by third party, such discount amount must be stated on the receipt and any remaining fees and additional fees (if any) must be paid by the principal cardholder with his/her Citi Prestige Card.

3. Principal Cardholder will be entitled for Free Travel Insurance Basic Plan:

Protection Items	Basic Plan
	Maximum Claim Amount (HK$)
Travel Accident Protection	$750,000
Emergency Medical Protection	$500,000
Journey Cancellation Protection	$10,000
Baggage Loss Protection	$10,000
Travel Delay Protection	$3,000
Lost of Travel Documents	$3,000

4. When submitting claims, Zurich Insurance Company Limited will require principal cardholders to provide valid proof of their eligibility.

5. Citibank (Hong Kong) Limited is not the insurance underwriter of the Travel Insurance Basic Plan and Travel Insurance Premier Plan ("the Policy"). Zurich Insurance Company Ltd. ("Zurich") is the insurance underwriter ("the Insurance Underwriter") of the Policy and is solely responsible for all coverage and compensation. The Insurance Underwriter is not a subsidiary or an affiliate of Citibank (Hong Kong) Limited or Citibank, N.A. or Citigroup Inc. The Policy is part of the credit card feature and Citibank (Hong Kong) Limited shall not be responsible for any matters in relation to the Policy provided. Unless otherwise specified, insurance products are not bank deposits or obligations of, committed or insured by Citibank (Hong Kong) Limited, Citibank, N.A., Citigroup Inc. or any of their affiliates or subsidiaries, or by any local government agency.

6. This statement is not a policy or contract of insurance. The original policy is on file at the office of Citibank (Hong Kong) Limited. Final decisions will be made in accordance with original policy. For insurance details, please refer to the Travel Insurance Basic Plan Factsheet or the Travel Insurance Premier Plan Factsheet. For claims enquiry, please call Zurich's Customer Services Hotline at 2903 9482. Citibank (Hong Kong) Limited and its Insurance Underwriter reserve the right to make the final decision on all claims.

P. Terms & Conditions for Citi Prestige Card - Exclusive Shopping Privileges at Omtis Fine Wines (the “Offer”):
1.	Unless otherwise specified, the Offer is available from January 1 to December 31, 2026, both dates inclusive (“Promotion Period”).
2.	Unless otherwise specified, the Offer is applicable to the Principal and Supplementary Cardholders (‘Eligible Cardholders’) of Citi Prestige Card issued by Citibank (Hong Kong) Limited ('Citi') ('Eligible Card').
3.	During the Promotion Period, Eligible Cardholders can enjoy the following Offers at Omtis Fine Wines (‘Omtis’): • 10% discount on all regular-priced wine items; and • a complimentary bottle of Champagne Nicolas Feuillatte Grande Reserve Brut NV (value at HK$430) upon Eligible Cardholders’ first order at HK$2,800 or above, while quantities last. (Collective as ‘Offer’)
4.	Eligible Cardholders must input promo code: PRESTIGEOMTIS26 upon check-out at Omtis’ website www.omtisfinewines.com to enjoy the Offer. If Eligible Cardholders did not input the correct promo code upon check-out, no Offer will be reimbursed. Order made cannot be reversed and payment made is non-refundable.
5.	Offer is applicable on wine items only (including Champagne), but inapplicable on spirits, accessories, discounted items or events.
6.	The complimentary bottle of Champagne is only applicable for Eligible Cardholders’ first order at HK$2,800 or above (total bill after discount), while stock last. Omtis reserves the right to provide alternate item at the same or lower value as replacement without prior notice.
7.	Payment must be made with Eligible Card to enjoy the Offer.
8.	Complimentary delivery is applicable to address in Hong Kong Island, Kowloon and the New Territories for purchase of HK$1,800 or above (total bill after discount). Additional delivery fee applies to outlying islands.
9.	Delivery will be arranged in 5 business days after payment received. Pick-up at Omtis’ office is also available.
10.	Unless otherwise specified, the Offer cannot be used in conjunction with other special promotions, discounts or promotional coupons, nor be transferred or exchanged for cash or other offers.
11.	Payment made and/or all products are non-refundable nor exchangeable and are not for re-sale or other commercial purposes.
12.	By making a purchase, Eligible Cardholders agree to share personal details (include but not limited to name, Hong Kong mobile number, email address, delivery address) to Omtis for providing the products and services.
13.	Photos, product specifications and prices are for reference only.
14.	All sales are subject to the standard terms & conditions of sales of Omtis. For details, please visit: www.omtisfinewines.com/terms.
15.	Eligible Cardholders must maintain valid Eligible Card accounts with a good credit record in order to be eligible for the Offer.
16.	Offer is valid for Eligible Cardholders at 18 years of age or above only.
17.	The designated products are provided by Omtis (‘the merchant’), which is solely responsible for any enquiry, claim, complaint, liability, and obligation whatsoever relating to the designated products/offers provided. Customers should contact the merchant immediately and directly in case there are issues with the designated products/offer. Citibank shall not be responsible for any matters in relation to the related products or services.
18.	In case of any fraud/abuse, Citibank reserves the right to debit from the Eligible Cardholders’ credit card accounts the equivalent amount of the Offers discounted/ awarded under this promotion and/or forfeit the Eligible Cardholders’ eligibility to be entitled to the Offer without prior notice.
19.	Citibank and the merchant reserve the right to amend or withdraw any Terms and Conditions or terminate this Offer at any time.
20.	Any dispute connected in any way with this Offer will be resolved by the merchant at absolute discretion.
21.	Under the law of Hong Kong, intoxicating liquor must not be sold or supplied to a minor in the course of business.
22.	In the event of any discrepancy between the English and Chinese versions of these Terms and Conditions, the English version shall prevail.

To borrow or not to borrow? Borrow only if you can repay!