WELCOME OFFERS TERMS AND CONDITIONS

1. Unless specified, the promotion period is valid from October 3, 2024 to October 31, 2024 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. Those applicants who have applied for 2 cards, of which one of the cards is a Citi Prestige Card, are entitled to two welcome offers (Not applicable to online applications.). All Welcome Offers are entitled for the first card that fulfills the spending condition in case of Customers (“Eligible Cardholders”) applies multiple cards.
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.

7. 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	30,000 Miles (360,000 Points)	Pay the first year annual fee of HK$3,800	APPLY NOW APPLY NOW
   Citi PremierMiles Cardiii *	a) 20,000 Miles (240,000 Points)iii or	Accumulate spending of HK$8,000 or above within first 3 months from the date of card issuance which include at least 1 eligible transaction each monthix	APPLY NOW APPLY NOW
   	b) 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$8,000 or above within first 3 months from the date of card issuance which include at least 1 eligible transaction each month ix	APPLY NOW APPLY NOW
   	b) 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$8,000 or above using the Eligible Card within first 3 months from the date of card issuance which include at least 1 eligible transaction each month ix	APPLY NOW APPLY NOW
   	b) 75,000 Pointsiv	Accumulate spending of HK$1,000 or above within the first 3 months from the date of card issuance which include at least 1 mobile payment via Apple Pay, Google Pay or Samsung Pay
   Citi Rewards UnionPay Cardvi	a) HK$1,200 Cash Rebate or	Accumulate spending on HK$8,000 or above using the Eligible Card within first 3 months from the date of Card issuance which include at least 1 eligible transaction each month ix	APPLY NOW APPLY NOW
   	b) 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 Rebatevii or	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$300 Cash Rebate	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	Physical credit card successfully approved and accumulate spending of HK$4,000 or above within the first 3 months which include at least 1 eligible transaction each month ix from the date of instant credit approval or card issuance, whichever comes first.	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$8,000 or above using the Eligible Card within first 3 months from the date of card issuance which include at least 1 eligible transaction each month ix	APPLY NOW APPLY NOW
   Citi The Club Credit Card	a) 5,000 Clubpoints (equivalent to HK$1,000 in value) + HK$1,000 Cash Rebate)vii or	Accumulate spending of HK$4,000 or above within the first 3 months from the date of card issuance which include at least 1 eligible transaction each month ix	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 2,100 Eligible Cardholders 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 1,500 Eligible Cardholders and is available on a first-come-first-served basis. In case of quota have been used, Eligible Cardholders will be entitled to receive 5,000 Clubpoints (equivalent to HK$1,000 in value) as alternative if they fulfill the reward conditions/spending conditions. 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.

   ^ix

   For example, when the Eligible Card issue date of a New Customer is on October 16, 2024, then the first month is from October 16, 2024 to November 15, 2024; the second month is from November 16, 2024 to December 15, 2024; the third month is from December 16, 2024 to January 15, 2025.
8. 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.

10. 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.
11. 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.
12. Welcome offers cannot be changed once indicated on the application form, nor transferred to another person, cancelled, reversed nor exchanged for cash.
13. 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.
14. 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.
15. 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.

16. 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.

17. The products and services mentioned in this Welcome offers terms and conditions are not offered to individuals resident in the European Union, European Economic Area (EEA), Switzerland, Guernsey, Jersey, Monaco, San Marino, Vatican, United Kingdom, The Isle of Man, Brazil and New Zealand. 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.
18. 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.
19. Citibank and the respective merchants reserve the right to amend these and other relevant Terms and Conditions at any time without prior notice.
20. All matters and disputes will be subject to the final decision of Citibank and the respective merchants.
21. In case of discrepancy between the English and Chinese versions, the English version shall prevail.

22. Please enclose the following copies of documents to avoid processing delay (if applicable):

23. Please note that the application form and any document submitted will not be returned. Additional documents may be required to facilitate credit processing.

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.