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2022 Citigold Private Client Upgrade Program Terms and Conditions

A) 2022 Citigold Private Client Upgrade Program Terms and Conditions

  • The Promotion Period is valid from January 1 to December 31, 2022, inclusive of both dates (“Promotion Period”).
  • All upgrade offers are not applicable to U.S. persons, except deposit interest rate.
  • All upgrade offers are not applicable to CitiBusiness® Accounts.
  • Unless otherwise specified, all upgrade offers cannot be used in conjunction with any other promotion offers.
  • To be eligible for the offer (“Upgrade Offer”), the client must successfully upgrade from a Citigold / Citi Plus / Citi Priority / Citibanking to a Citigold Private Client account during the Promotion Period and maintain an average daily balance in the amount of HK$8,000,000 or above for the first 6 calendar months (including the month of account upgrade and the 5 months following).
  • Each client will only be entitled to one Upgrade Offer during the Promotion Period. For joint accounts, only one offer will be given to the Primary Account Holder.
  • The above product(s) and/or service(s) mentioned in this form are not offered to individuals resident in the European Union, European Economic Area, Switzerland, Guernsey, Jersey, Monaco, San Marino, Vatican, The Isle of Man and United Kingdom. This form is not intended as a recommendation or an offer or solicitation for the purchase or sale of any of the above product(s) and/or service(s) to such individuals.
  • Only eligible clients whose relevant accounts are valid and in good standing during the entire promotion and offer fulfillment period will be eligible for the Upgrade Offer. If the account status changes, the Bank reserves the right to terminate the offer without prior notice.
  • Below specified clients will not be eligible for the Upgrade Offer:
    • Existing clients of Citigold Private Client; or
    • Clients who newly opened a Citigold / Citi Plus / Citi Priority / Citibanking account within the past 6 months; or
    • Clients who had cancelled a Citigold Private Client account within the past 12 months; or
    • Clients who had been downgraded from a Citigold Private Client to other account within the past 12 months.
  • If the client closes his / her account(s) within 6 months from the date of account upgrade, an account closure fee of HK$500 (or equivalent) will be charged.
  • The Bank reserves the right to reclaim the offer should the upgraded account be closed / downgraded within 6 months from the date of account upgrade, or the client’s "Average Daily Combined Balance" falls below the minimum balance requirement within 6 months from the date of account upgrade. The offer value will be debited from the client’s account at the time of account closure or downgrade, or 1 month from the first day the account balance falls below the required level whichever is earlier.
  • Unless otherwise specified, Upgrade Offer will be credited to each eligible client’s banking account by the date as specified in the table below.
    Account Upgrade Date Cash rebate will be credited
    January 1 to 31, 2022 On or before February 28, 2022
    February 1 to 28, 2022 On or before March 31, 2022
    March 1 to 31, 2022 On or before April 30, 2022
    April 1 to 30, 2022 On or before May 31, 2022
    May 1 to 31, 2022 On or before June 30, 2022
    June 1 to 30, 2022 On or before July 31, 2022
    July 1 to 31, 2022 On or before August 31, 2022
    August 1 to 31, 2022 On or before September 30, 2022
    September 1 to 30, 2022 On or before October 31, 2022
    October 1 to 31, 2022 On or before November 30, 2022
    November 1 to 30, 2022 On or before December 31, 2022
    December 1 to 31, 2022 On or before January 31, 2023
  • The Upgrade Offer cannot be exchanged for cash. The Bank makes no representation or warranty with respect to the performance and quality of the gift or the services of the service providers. The Bank shall not be held responsible for any loss or damage caused to the customer by any such service providers’ negligence or failure to deliver the goods or services.
  • The "Average Daily Combined Balance" is calculated based on the sum of your daily balances of deposit, investment and accumulated paid premium of selected insurance products of all your single name account(s) and joint name account(s), divided by the number of calendar days in the month. Selected insurance products mean insurance policy(ies) with savings element or investment-linked insurance. For insurance policy(ies) with savings element, accumulated paid premium means total premium paid minus value of outstanding policy loan. For investment-linked insurance policy(ies), accumulated paid premium means total premium paid minus value of fund sold. If you only hold account(s) in joint names, the "Average Daily Combined Balance" is calculated based on the sum of the balances of all your account(s) held with the same joint names.
  • This leaflet is for information only and does not constitute any offer or solicitation to buy or sell. Investors should refer to the relevant offering documents for detailed information prior to subscription. Investments are not bank deposits and involve risks, including the possible loss of the principal amount invested. Investors investing in investments denominated in non-local currency should be aware of the risk of exchange rate fluctuations that may cause a loss of principal. Investment prices may go down as well as up. Unless specified, these investments are not obligations of, guaranteed or insured by Citibank (Hong Kong) Limited, Citibank, N.A., Citigroup Inc. or any of its affiliates or subsidiaries, or by any local governmental or insurance agency. Investment Services are not eligible for U.S. persons and might only be applicable to limited jurisdiction.
  • Unless otherwise specified, insurance products are not bank deposits or obligations of, or guaranteed or insured by Citibank (Hong Kong) Limited, Citibank, N.A., Citigroup Inc. or any of their affiliates or subsidiaries, or any local governmental agency.
  • The Bank reserves the right to amend the Terms and Conditions from time to time and is entitled at any time without any liability in any manner whatsoever to alter the program without prior notice. Should there be any dispute, the Bank’s decision will be final.
  • The English version of these Terms and Conditions shall prevail wherever there is a discrepancy between the English and the Chinese versions.

B) Portfolio 360 trial offer Terms and Conditions

  • The Promotion Period is valid from January 1 to December 31, 2022, inclusive of both dates (“Promotion Period”).
  • Portfolio 360 trial offer are not applicable to U.S. persons, except deposit interest rate.
  • Portfolio 360 trial offer not applicable to CitiBusiness® Accounts.
  • Unless otherwise specified, Portfolio 360 trial offer cannot be used in conjunction with any other promotion offers.
  • To be eligible for the Portfolio 360 trial offer (“Trial Offer”), the client must (i) reserve the review appointment in advance; and (ii) present the original copy of invitation letter at designated Citigold Private Client Center or receive invitation by the Bank via Facebook during the Promotion Period; and (iii) complete Portfolio 360 review once; iv) must be eligible for the Upgrade Offer as stated in Section A clause 4 above and v) sign the agreement form.
  • Each client will only be entitled to one Upgrade Offer and/or Trial Offer during the Promotion Period. For joint accounts, only one offer will be given to the Primary Account Holder.
  • Only eligible clients whose relevant accounts are valid and in good standing during the entire promotion and offer fulfillment period will be eligible for Trial Offer. If the account status changes, the Bank reserves the right to terminate the offer without prior notice.
  • Below specified clients will not be eligible for the Trial Offer:
    • Existing clients of Citigold Private Client; or
    • Clients who newly opened a Citigold / Citi Plus / Citi Priority / Citibanking account within the past 6 months; or
    • Clients who had cancelled a Citigold Private Client account within the past 12 months; or
    • Clients who had been downgraded from a Citigold Private Client to other account within the past 12 months.
  • Trial Offer is HK$1,000 cash rebate. It will be credited to each eligible client’s banking account within 2 weeks upon portfolio review completion and successfully upgrade to Citigold Private Client (whichever is later).
  • The Bank reserves the right to amend the Terms and Conditions from time to time and is entitled at any time without any liability in any manner whatsoever to alter the program without prior notice. Should there be any dispute, the Bank’s decision will be final.
  • The English version of these Terms and Conditions shall prevail wherever there is a discrepancy between the English and the Chinese versions.
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