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WELCOME OFFERS TERMS AND CONDITIONS

Terms and Conditions

Tip: Please download the Welcome Offer Terms and Conditions via this link for future reference

Eligibility for Welcome Offer
  1. Unless specified, the promotion period is valid from May 7, 2025 to Jun 3, 2025 both days inclusive (“Promotion Period”).
  2. Customers (“Eligible Cardholders”) must submit the application form and successfully apply for a principal card of the selected credit card (“Eligible Card”) issued by Citibank (Hong Kong) Limited (“Citibank”) during the Promotion Period.
  3. Unless otherwise specified, the Welcome Offers are not applicable to customers who currently hold, have cancelled or have held any principal card of Citi Credit Card within the past 12 months from the month of application for the Eligible Card ("New Customer"). (Except for applicants of Citi Prestige Card)
  4. Each Eligible Cardholder is entitled to one welcome offer only.
  5. Citi Prestige Card Welcome Offer will be made to the customer after the first year annual fee has been billed. The annual fee can neither be waived nor reversed under any circumstances.
  6. Unless specified, New Customers who are full time students of degree / diploma program of a Hong Kong Tertiary Institution will only be entitled to designated welcome offer for student.
Welcome Offer and Reward Conditions/Spending Conditions

  1. Eligible Cardholders are entitled to the following welcome offer upon successful physical card activation within a month from the date of card issuance and fulfilling the below relevant reward condition (“Welcome Offer”):

    Card Types Applied Welcome Offers Reward Conditions/Spending Conditions    
    Citi Prestige Cardii 360,000 Points (30,000 Miles) Pay the first year annual fee of HK$3,800 APPLY NOW APPLY NOW
    Citi PremierMiles Card a) 25,000 Miles (equivalent to 300,000 Points) or

    b) 240,000 Pointsiii or     		Accumulate spending of HK$5,000 or above within the first 2 months from the date of card issuance APPLY NOW APPLY NOW
    ci) HK$300 Cash Rebate Accumulate spending of HK$1,000 or above within first 3 months from the date of card issuance
    Citi Cash Back Card a) HK$1,200 Cash Rebate or Accumulate spending of HK$5,000 or above within the first 2 months from the date of card issuance APPLY NOW APPLY NOW
    bi) HK$300 Cash Rebate Accumulate spending of HK$1,000 or above within first 3 months from the date of card issuance
    Citi Rewards Mastercard® a) HK$1,200 Cash Rebate or Accumulate spending of HK$5,000 or above within the first 2 months from the date of card issuance APPLY NOW APPLY NOW
    bi) 75,000 Pointsiv Accumulate spending of HK$1,000 or above within the first 3 months from the date of card issuance
    Citi Rewards UnionPay Cardvi a) HK$1,200 Cash Rebate or Accumulate spending of HK$5,000 or above within the first 2 months from the date of card issuance APPLY NOW APPLY NOW
    bi) 75,000 Pointsix Accumulate spending of HK$1,000 or above within the first 3 months
    Citi Octopus Platinum Card a) HK$1,600 Cash Rebate and HK$900 city’super Shopping Vouchersvii Accumulate spending of HK$5,000 or above within the first 2 months from the date of card issuance and make at least 1 HK$500 reload amount of Automatic Add Value Service transaction APPLY NOW APPLY NOW
    bi) HK$900 Cash Rebateviii Accumulate spending of HK$1,000 or above within the first 3 months from the date of card issuance and make at least 1 HK$500 reload amount of Automatic Add Value Service transaction
    Citi HKTVmall Card a) HK$1,000 Cash Rebate or Accumulate spending of HK$5,000 or above within the first 2 months from the date of card issuance APPLY NOW APPLY NOW
    bi) HK$300 cash rebate Accumulate spending of HK$1,000 or above within first 3 months
    Citi Plus®Credit Card v HK$800 Cash Rebate Accumulate spending of HK$5,000 or above within the first 2 months from the date of card issuance APPLY NOW APPLY NOW
    Citi The Club Credit Card a) 5,000 Clubpoints (equivalent to HK$1,000 in value) ix or Accumulate spending of HK$5,000 or above within the first 2 months from the date of card issuance APPLY NOWAPPLY NOW
    bi) HK$300 cash rebate Accumulate spending of HK$1,000 or above within first 3 months

    Unless otherwise specified, the above welcome offers are only applicable to New Customers

    i
    Designated welcome offer for New Customers who are full time students of degree / diploma program of a Hong Kong Tertiary Institution.
    ii
    According to the current conversion rate, customer may redeem 30,000 Miles for 360,000 Points. The conversion rate is subject to changes from time to time without prior notice.
    iii
    According to the current conversion rate, customer may redeem 20,000 Miles for 240,000 Points. The conversion rate is subject to changes from time to time without prior notice.
    iv
    According to the current conversion rate of Citi ThankYou Rewards through online banking, the preferential rate is 270 point per $1 spending. The conversion rate is subject to changes from time to time without prior notice.
    v
    The Promotion is exclusive to customers who currently hold Citi Plus banking with Citibank. Eligible Cardholders’ Eligible Card accounts and banking account must be valid and in good standing during the entire Promotion Period and fulfillment period in order to enjoy the Welcome Offer. In case of Eligible Cardholders do not hold a valid banking account during the entire Promotion Period and fulfillment period, Citibank reserves the right to debit from the Eligible Cardholders’ credit card account(s) the equivalent amount of the Welcome Offer awarded under this promotion without prior notice.
    vi
    For Citi Rewards UnionPay Card, the spending condition amount is the same for HKD and CNY currencies, i.e. the conversion rate of HKD and CNY is 1:1 in the calculation for the spending conditions.
    vii
    The Welcome Offer is limited to the first 1,100 Eligible Cardholders (including both Citi Octopus Platinum Card and Citi Octopus Platinum Card (Student)) who meet the Spending Condition and is available on a first-come-first-served basis based on the card approval date. In case of quota have been used, Eligible Cardholders will be entitled to receive HK$1,000 Cash Rebate as alternative if they fulfill the Spending Conditions under Clause 7 above.
    viii
    The Welcome Offer is limited to the first 1,100 Eligible Cardholders (including both Citi Octopus Platinum Card and Citi Octopus Platinum Card (Student)) who meet the Spending Condition and is available on a first-come-first-served basis based on the card approval date. In case of quota have been used, Eligible Cardholders will be entitled to receive HK$300 Cash Rebate as alternative if they fulfill the Spending Conditions under Clause 7 above.
    ix
    The values of Clubpoints referred to above are calculated based on Clubpoint Conversion Ratio appearing on the “Spend Less with Clubpoint” function on the Club Shopping Platform and redemption of HKT and Club Shopping e-Cash Voucher, which is currently 5 Clubpoints = HK$1, 5,000 Clubpoints is equivalent to HK$1,000 value, as of the date of these Terms and Conditions. The relevant redemption rate is subject to changes from time to time without prior notice.
  2. All posted transactions and monthly installments of billed Merchant Installment Plan conducted by principal and supplementary card(s), if applicable, are included in the Spending Conditions calculation. Ineligible transactions, including but not limited to, transactions through Faster Payment System (FPS) services, Octopus Add Value Service transactions (including via e-wallet/ other method to top up Smart Octopus), cash advances, withdrawal amount/loan amount under the Balance Transfer Program, Cash Conversion Program, “FlexiBill” Installment Program and “PayLite” Installment Program and Quick Cash Installment Program, payment to the Inland Revenue Department, online bill payment or utilities bill / insurance transactions made with Eligible Card via internet banking or online payment system, all payments made using “Citi PayAll Service”, mutual funds payment, fees & charges, casino transactions, unposted/cancelled/refunded transactions, other unauthorized transactions and fraud and abuse transactions.
Fulfillment of Welcome Offer
9.  
  • (a) Points: Citi Prestige Cardholders, Points will be credited to the eligible Principal Cardholder’s account 2 calendar months after the first year annual fee has been fully paid. Citi Rewards and Citi PremierMiles Cardholders, Points will be credited into the relevant Eligible Card accounts within 5 calendar months upon the month of meeting the reward conditions/spending conditions. (Citi Prestige Cardholders and Citi PremierMiles Cardholders can choose to convert their Points to miles with and of the following Mileage Programs: Cathay Membership Programme, British Airways Executive Club, 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 or Virgin Atlantic Flying Club, The exchange is subject to the conversion rate of the chosen Mileage Program. Citi Prestige Cardholders, Citi PremierMiles and Citi Rewards Card Cardholders can also choose to convert Points to equivalent in Rebate which is subject to the Citi ThankYou Rewards Terms and Conditions and the Citi "Pay with Points – Merchants' Online Platforms Service" Terms and Conditions.)

  • (b) Cash Rebate: Cash Rebate will be credited to Eligible Cardholders’ card account within 5 calendar months upon the month of meeting the reward conditions/spending conditions. The Cash Rebate will be rounded up to the nearest cent (if applicable).

  • (c) 25,000 Miles (equivalent to 300,000 Points): Point conversion registration email will be sent to Eligible Cardholder’s email address from the bank record within 5 calendar months upon the month of meeting the reward conditions/spending conditions. Citibank will convert the points to relevant Asia Miles, Eligible Cardholder is required to hold a valid Cathay membership account and must fill in and submit the points conversion registration form within 1 month once received the point conversion registration email. Otherwise, Eligible Cardholder will forfeit the right to claim the Welcome Offer of 25,000 Miles (equivalent to 300,000 Points). The relevant Asia Miles will be credited to the Eligible Cardholder’s Cathay membership account within 2 calendar months upon the month of submitting the point conversion registration form. Points cannot be used to redeem other rewards, converted into cash nor transferred to another person, reversed nor retained in Citi Credit Card account. For the terms and conditions of point conversion registration, please refer to the point conversion registration email.

  • (d) Clubpoints will be credited to Eligible Cardholders’ The Club membership account within 5 calendar months upon the month of meeting the reward conditions/spending conditions. Redemption of Clubpoints and all matters relating to The Club Membership Program are subject to the Terms & Conditions of The Club Membership Program which may be amended by Club HKT Limited from time to time. For details, please visit The Club website and refer to the Terms and Conditions of The Club. Citibank shall not in any way be responsible or liable for any matters or dealings under The Club Membership Program.

  • (e) city’super Shopping Vouchers: city’super Shopping Vouchers (“Shopping Vouchers”) and the reward letter will be delivered to the Eligible Cardholders’ correspondence address within 5 calendar months upon the month of meeting the relevant reward conditions/spending conditions. Eligible Cardholders have to ensure that the correct correspondence address is provided, such that the Shopping Vouchers and reward letter can be delivered. Citibank will not be responsible for delivery failure due to invalid address.
All Offers Terms & Conditions
  1. If Eligible Cardholders select more than one welcome offer on the application form, Citibank reserves the right to provide only one of the welcome offers at its sole discretion.
  2. 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.
  3. Welcome offers cannot be changed once indicated on the application form, nor transferred to another person, cancelled, reversed nor exchanged for cash.
  4. Eligible Cardholders’ Eligible Card accounts must be valid and in good standing during the entire Promotion Period and fulfillment period in order to enjoy the welcome offers.
  5. In case of any fraud/abuse/reversal or cancellation of transactions included in the calculation of the spending conditions, Citibank reserves the right to debit from the Eligible Cardholders’ credit card accounts the equivalent amount of the welcome offers awarded under this promotion without prior notice.
  6. All welcome offers are available on a first-come-first-served basis while stocks last. Citibank reserves the right to grant an alternative offer in case of shortage.
General Terms & Conditions

  1. A higher credit limit may be given if

    (a)

       Eligible Cardholders submit valid income/asset proof within the first 3 months from the date of card issuance/ instant credit approval or

    (b)

       Eligible Cardholders also open a Citibank Payroll Account and have payroll deposit in their Citibank Payroll Account through autopay/standing instruction/check deposit within the first 3 months from the date of card issuance.

  2. The promotions, products and services mentioned in the referenced document are not offered to individuals resident in the European Union, European Economic Area, Switzerland, Guernsey and Jersey, Monaco, San Marino, Vatican, The Isle of Man, the UK, Brazil, New Zealand, Jamaica, Ecuador or Sri Lanka. The referenced document is not, and should not be construed as, an offer, invitation or solicitation to buy or sell any of the promotions, products and services mentioned therein to such individuals.
  3. Citibank is not a supplier or service provider of the products/services/auxiliary services provided and shall not be responsible for any matters relating to the products or services provided. The respective merchants are solely responsible for all obligations and liabilities in relation to such products or services. Upon redemption, all the products/services/auxiliary services cannot be replaced, returned or refunded.
  4. Citibank and the respective merchants reserve the right to amend these and other relevant Terms and Conditions at any time without prior notice.
  5. All matters and disputes will be subject to the final decision of Citibank and the respective merchants.
  6. In case of discrepancy between the English and Chinese versions, the English version shall prevail.
Required Documents
  1. Please enclose the following copies of documents to avoid processing delay (if applicable):
  • (a) For all Principal Card Applicants: (i) HKID of Principal Card Applicant; AND (ii) Residential proof of address within the past 3 months showing the name of Principal Card Applicant, e.g. electricity bill or bank statement; AND ; (iii) any one of the following income/asset proof documents showing the name of the Principal Card Applicant: Most recent 1 month's payroll slip OR Full set of bank statements/passbook showing the name of Principal Card Applicant account number and last 3 months' salaries OR Other asset proof, e.g. fixed deposit advice.
  • (b) For a Principal Card Applicant who is not a Permanent Hong Kong Resident, please also provide: Valid passport showing the name, passport number and nationality of the Principal Card Applicant AND an employment contract showing employment period.
  • (c) For Principal Card applicants with a Former Name, please also provide relevant documentary proof, such as certificate of registered particulars or tax return.
  • (d) For Student Credit Card applicants, please enclose front and back copies of Student Identity Card.
  • (e) The Bank may request that the Principal Card Applicant provides additional identification documents for identity verification purpose when deemed necessary, including but not limited to passport or Mainland Travel Permit for Hong Kong and Macau Residents (Home Return Permit).
  • (f) Additional documents may be required to facilitate credit processing.
  • (g) Please note that the application form and any document submitted will not be returned.
  • (h) The Bank reserves the right to proceed or terminate the application even if not all related required documents have been received.

  1. Please note that the application form and any document submitted will not be returned. Additional documents may be required to facilitate credit processing.
Major Terms and Conditions of Citi Credit Card Cardholder/Cardmember Agreement

Cardholder/Cardmember agrees to abide by the Terms and Conditions as set out in the relevant Citi Credit Card Agreement/the Conditions of Issue of Octopus Automatic Add Value Agreement issued by Octopus Cards Limited (“OCL”), whichever is applicable (each an “Agreement”, as amended from time to time).

Cardholder’s/ Cardmember’s attention is drawn, in particular, to the Terms and Conditions listed below, which Terms and Conditions are more fully detailed in the relevant Agreement.

  • Cardholder/Cardmember shall sign on the Citi Credit Card as soon as it is received.
  • Cardholder/Cardmember agrees to keep any personal identification number ("PIN") confidential and to inform Citibank if the PIN is known to any other person. Cardholder/ Cardmember will indemnify Citibank against any losses or liabilities resulting from the PIN being known to any other person.
  • Cardholder/Cardmember is responsible for repaying any outstanding balance on time and is liable for penalty charges if the required minimum payment is not made.
  • In case of default, Cardholder/Cardmember is liable to pay the costs and expenses reasonably incurred by Citibank in recovering the debt.
  • If the Cardholder/Cardmember acts fraudulently or with gross negligence, he/she shall be responsible for all losses incurred by Citibank.
  • The maximum liability for unauthorised transactions before a Card loss is reported shall be HK$500/CNY500, excluding transactions resulting from
    • use of the Card in automated teller machines,
    • for Citi Octopus Credit Card, use of the Octopus function on the Citi Octopus Credit Card.
  • A statement of account shall be conclusive if the Cardholder/Cardmember fails to report an unauthorised transaction within 60 days from the statement date.
  • Citibank has the right to set off any credit balance maintained by the Cardholder/Cardmember with Citibank.
  • Principal Cardholders/Cardmembers shall be responsible for debts of both the Principal and Supplementary Cards. A Supplementary Cardholder/Cardmember shall only be responsible for debts incurred in using his/her own Supplementary Card.
  • Citibank reserves the right to demand immediate repayment.
  • The Cardholder/Cardmember has the right to terminate the Agreement if he / she does not accept any amendment to the Agreement proposed by Citibank.
  • Citi Octopus Credit Card may be used as an Octopus. Use of the Octopus function on the Card shall be subject to the Conditions of Issue of Octopus and/or other Terms and Conditions laid down by Octopus Cards Limited ("OCL") and/or its affiliates from time to time. Each Card is pre-linked to AAVS and such linkage cannot be cancelled (unless terminated together with the Card), or be altered to link with another credit card account. Use of the AAVS function on the Card shall be subject to the Octopus Automatic Add Value Agreement.
  • The Citi Rewards UnionPay Card consists of both a Hong Kong Dollar account and a Renminbi account. The values of all transactions (including cash advance and all related fees and charges) denominated in CNY will be debited to the Renminbi Account. The values of all other transactions (including cash advance and all related fees and charges) will be debited to the Hong Kong Dollar Account. The Cardholder shall settle payment to each of the accounts separately using funds in the currency in which the relevant account is denominated. Citibank will not convert and/or transfer any credit balance or overpayment from the Hong Kong Dollar Account to the Renminbi Account or vice versa to settle the outstanding balance of the other account. The Cardholder shall make payment directly to the relevant account in order to settle the outstanding balance.