Citi®

Citi®
Extra rewards for additional referrals.
Refer your friends to apply for Citi Credit Cards to enjoy up to HK$28,000 cash rebate.
Invite your friends to apply
Citi Prestige Card Citi PremierMiles Card Citi Rewards Card Citi Clear Card Citi Octopus Credit Card
Refer and get rewards for you and your friends Referrer can get up to HK$20,000 cash rebate New customer can get HK$150 cash rebate
Referrer New Customer

From now till April 30, 2017, refer your family and friends to apply for
Citi Credit Cards, you can enjoy the Referrer’s Reward, and once your referee successfully refer their friends to apply, you will get further rewards, total up to HK$28,000 cash rebate!

Successfully refer 1-7 friends, for each successfuldirect referral, referrer can get HK$300 cash rebate. Successfully refer 8 friends or above, for each successful direct referral, referrer can get HK$1,250 cash rebate, up to HK$25,000 cash rebate. Referee can get HK$150 cash rebate and Welcome offer. You can get Additional Referral Reward of HK$150 cash rebate
for each successful referrals your friends make, up to HK$3,000 cash rebate.
Successfully refer 1-7 friends, for each successful direct referral, referrer can get HK$300 cash rebate. Successfully refer 8 friends or above, for each successful direct referral, referrer can get HK$1,250 cash rebate, up to HK$25,000 cash rebate. Referee can get HK$150 cash rebate and Welcome offer. You can get Additional Referral Reward of HK$150 cash rebate for each successful referrals your friends make, up to HK$3,000 cash rebate.
Example: You successfully refer 8 friends and any of your referees successfully refer 2 more friends, you can get Basic Referral Reward (HK$1,250 X 8) + Additional Referral Reward (HK$150 X 2) = HK$10,300 cash rebate in total.

3 simple steps to enjoy cash rebate together

Step 1: Share your unique referral application link to family and friends. Step 2: They apply via your referral link and submit the application form. (Don’t forget to fill in the referrer’s details in the form submitted!) Step 3: After card activation, the referees can carry on to make card referrals to their fiends (repeat step 1 and 2). You and your friends will be rewarded.
Share and invite your friends to apply

Personal Loan referral reward

From January 16 to April 30, 2017, refer your friends to apply Personal Loan to enjoy up to
HK$5,000 cash coupon upon successful drawdown!

Your friend can also enjoy bonus cash coupon reward!

Loan Amount ≥ HK$200,000, Cash Coupon Reward for Referrer HK$5,000; Loan Amount HK$100,000 - < HK$200,000, Cash Coupon Reward for Referrer HK$3,000; Loan Amount HK$80,000 - < HK$100,000, Cash Coupon Reward for Referrer HK$1,000. Bonus Cash Coupon Reward for Referee HK$500
Share and invite your friends to apply
Referrer New Customer

From now till April 30, 2017, refer your family and friends to apply for Citi Credit Cards, you can enjoy the Referrer’s Reward, and once your referee successfully refer their friends to apply, you will get further rewards, total up to HK$28,000 cash rebate!

Successfully refer 1-7 friends, for every successful referral, referrer can get HK$300 cash rebate. Successfully refer 8 friends or above, for every successful referral, referrer can get HK$1,250 cash rebate. Referee can get HK$150 cash rebate.
Successfully refer 1-7 friends, for each successful direct referral, referrer can get HK$300 cash rebate. Successfully refer 8 friends or above, for each successful direct referral, referrer can get HK$1,250 cash rebate, up to HK$25,000 cash rebate. Referee can get HK$150 cash rebate and Welcome offer. You can get Additional Referral Reward of HK$150 cash rebate for each successful referrals your friends make, up to HK$3,000 cash rebate.
Example 2: Successfully refer 16 friends to enjoy HK$1,250 x 16 = HK$20,000 cash rebate
Step 1: Share your unique referral application link to family and friends. Step 2: They apply via your referral link and submit the application form. (Don’t forget to fill in the referrer’s details in the form submitted!) Step 3: You and your friends will be rewarded.
Share and Invite
your friends
to apply

Personal Loan referral reward

From January 16 to April 30, 2017, refer your friends to apply Personal Loan to enjoy up to HK$5,000 cash coupon upon successful drawdown! Your friend can also enjoy bonus cash coupon reward!

成功推薦1-7位親友,每個成功推薦,推薦人可獲HK$300現金回贈 / 成功推薦8位親友或以上,每個成功推薦,推薦人可獲HK$1,250現金回贈。受薦人可獲HK$150現金回贈。
Share and Invite
your friends
to apply

Terms & Conditions

Terms & Conditions of Citi Credit Card "2017 Member–Get-Member Referral Program" (the “Program”):


1. The promotion period is valid from January 16 to April 30, 2017 (both dates inclusive) ("Promotion Period").
2. The Referrer must be an existing principal cardholder of Citi Credit Card issued by Citibank (Hong Kong) Limited ("Citibank") ("Referrer's Credit Card").
3. The Referee can join this Program and make referrals (“Re-referrals”) for Designated Cards (as defined in Clause 4) upon card approval and activation. Referees from Referrers and Referees from Re-referrals are collectively defined as “Referee” hereafter.
4. The Referee must be directly referred by Referrer and successfully applied for a principal card of Citi Prestige Card/Citi PremierMiles Card/Citi Rewards Credit Card/ Citi Octopus Credit Card/Citi Clear Card, except Citi Clear Student Card ("Designated Card") issued by Citibank. The Designated Card application must be successfully approved by Citibank on or before May 12, 2017, subject to Citibank’s system records. The Referee's Designated Card has to be activated within 1 month after card issuance in order to join this Program ("Successful Referral").
5. The Referee must provide the following information through the dedicated Citibank website (www.citibank.com.hk/mgm) during the Promotion Period in order to join this Program:
a) Referrer’s Reference Code as printed on the digital direct mailer or SMS issued by Citibank starting from January 16, 2017; or
b) Any Referrer's Credit Card number.
The Referee is required to ensure the accuracy and validity of the Referrer's Reference Code or Referrer's Credit Card number provided through the concerned website, and the record cannot be changed once submitted. A Referee who currently holds and/or has held any principal card of Citi Credit Card issued by Citibank and/or Diners Club Card within the past 12 months from the date of issue of the Designated Card will not be eligible to participate in this Program.
6. Each Referee can only be referred ONCE during the entire Promotion Period. With reference to the Citibank’s records, if the same Referee submits the same Successful Referral more than once with a different Referrer's Reference Code or Referrer's Credit Card number, only the Referrer whose Referrer's Reference Code or Referrer's Credit Card number submitted in the first Successful Referral will be used to determine the eligibility to this Program.
7. Within the Promotion Period, the Referrer and the Referee will be eligible for the following offers upon Successful Referral (“Reward”):
Referrer’s Reward: Each Referrer (including the Referees who made Re-referrals) can enjoy the following cash rebates from Successful Referral directly, up to a maximum of HK$25,000 Cash Rebate per Referrer during the entire Promotion Period.
No. of Direct Referrals Referrer's Reward
1 - 7 HK$300 Cash Rebate for every successful referral
8 or more HK$1,250 Cash Rebate for every successful referral
Referee’s Reward: Each Referee can enjoy HK$150 Cash Rebate and the respective Designated Card’s welcome offer, subject to each Designated Card’s welcome offer terms and conditions as stated in www.citibank.com.hk/card.
Re-referral Reward: During the Promotion Period, the Referrer can enjoy the Re-referral Reward upon making a Successful Referral and, based on Clause 4-6 of these Terms & Conditions, the respective Referee has gone on to make a successful Re-referral for a Designated Card. The respective Referrer can enjoy an extra HK$150 Cash Rebate per Successful Referral from a Re-referral up to a maximum of HK$3,000 Cash Rebate. The respective Referrer cannot enjoy any Re-referral Reward from any subsequent Successful Referral following a Successful Re-referral.
8. The Cash Rebate of the Referrer’s Reward, Referee’s Reward and Re-Referral Reward will be credited to the concerned Referrer’s and Referee's Citi Credit Card accounts respectively by June 30, 2017.
9. If the Referee provides the Referrer’s Reference Code through the dedicated website from a Referrer who owns more than 1 Credit Card account, the Referrer’s Cash Rebate will be credited to the Referrer's Credit Card account in valid status and with the highest card transaction amount in April 2017 based on the Citibank’s system records in June 2017 (“Reward Fulfillment Period”). Also, if the Referee provides the Referrer’s Credit Card number through the dedicated website, the Referrer’s Cash Rebate will be credited to that Referrer's Credit Card account in June 2017.
10. Both the Referrer's Credit Card and the Referee's Designated Card must be valid and in good standing during the entire Promotion Period and Reward Fulfillment Period in order for the Referrers and Referees to receive the Reward.
11. Employees of Citibank or Citibank N.A or its subsidiaries do not qualify to be a Referee or Referrer in this Program.
12. This Program is not applicable to U.S. Persons.
13. Citibank and the respective merchants reserve the right to amend these and relevant terms and conditions at any time without prior notice.
14. All matters and disputes will be subjected to the final decision of Citibank.
15. In the case of discrepancy between the English and the Chinese versions of these terms and conditions, the English version shall prevail.

Terms & Conditions of Personal Loan Referral Program (“Referral Program”):


1. The promotion period (“Promotion Period”) of the Referral Program is from January 16, 2017 to April 30, 2017, both dates inclusive.
2. To participate in this Referral Program, customers (“Referees”) must successfully apply during the Promotion Period and draw down a Citibank Card Debt Consolidation Loan/ Citibank Speedy Cash (“Citibank Personal Loan”) with a specified loan amount and repayment terms of 12 months or above on or before April 30, 2017. To enroll into this Referral Program, a Referee must apply through the designated online application form or hotline 2963 6450 and provide the unique reference code shared by a Referrer. A Referee must not currently hold and/or have held any Citibank Personal Loan Account with Citibank (Hong Kong) Limited (“Citibank”) within the past 12 months from the loan application date. A Referrer and a Referee cannot be the same person.
Loan Amount Referrer Cash Coupon (HK$) Referee Cash Coupon (HK$)
>/= $200,000 $5,000 $500
$100,000 - <$200,000 $3,000
$80,000 - <$100,000 $1,000
3. Only selected referrers (“Referrers”) are eligible to participate in this Referral Program.
4. A cash coupon redemption letter will be mailed out to each of the Referrer’s and the Referee’s respective correspondence addresses maintained with Citibank by October 30, 2017. The cash coupons are available while stock lasts. Citibank reserves the right to replace the cash coupons with an alternative gift without prior notice. The cash coupons offered cannot be converted into cash and are not replaceable in the event of any loss or damage. Citibank accepts no liability in respect of the quality of the products and services provided by the cash coupons suppliers involved in this Referral Program. Cash coupons are subject to the relevant terms and conditions printed therein. The respective suppliers are responsible for all obligations and liabilities in relation to such products or services.
5. Citibank Credit Card Account and/or Citibank Personal Loan Account of the Referrers and the Referees must be valid, in good condition and without late payment or early repayment (if applicable) at the time of fulfillment for redemption, otherwise Citibank reserves the right to forfeit the eligibility of the Referrers and/or the Referees to participate in this Referral Program.
6. If a Referee is found to have made an early settlement of or cancelled the relevant Citibank Personal Loan, Citibank reserves the right to charge:
• the full amount of the cash coupons issued to him/her; AND
• the early repayment fee for the relevant Citibank Personal Loan (which is based on a rate on the entire principal amount as set out in the Drawdown Letter).
7. All Citibank staff and U.S. Persons are not eligible to participate in this Referral Program.
8. If a Referrer and a Referee are entitled to receive any other promotional offers under other promotions, Citibank reserves the right to provide only one of the promotion offers at its sole discretion.
9. Each Referee can only be referred ONCE during the entire Promotion Period. With reference to the Citibank’s records, if the same Referee submits the same Successful Referral more than once with a different Referrer's Reference Code or Referrer's Credit Card number, only the Referrer whose Referrer's Reference Code or Referrer's Credit Card number submitted in the first Successful Referral will be used to determine the eligibility to this Program.
10. Citibank reserves the right to amend these terms and conditions at any time without prior notice.
11. In case of dispute, the decision of Citibank shall be final and conclusive.
12. In the event of discrepancy or inconsistency between this English version of the terms and conditions and the Chinese version, the English version shall prevail.

Remarks:


All welcome offers are only applicable for New Citi Credit Card Customers. New Citi Credit Card Customers are defined as applicants who currently do not hold and/or have not held any principal card of Citi Credit Card and/or Citi Private Label Card issued by Citibank and/or Diners Club Card issued by Diners Club International (HK) Limited within the past 12 months from the date of card issuance. Spending requirements apply. For details, please refer to Welcome Offer Terms and Conditions.

1. Cardholders must make qualified transactions with a Citi Rewards Card ("Eligible Card") in the designated merchant categories, which are Department Stores, Supermarkets and Telecom Providers in Hong Kong ("Designated Merchant Categories") ("Qualified Transactions"). Telecommunications spending stands for transactions at designated Telecommunications companies and monthly autopay of your telecommunications bill payments such as mobile service, household fixed line, internet service and pay TV. All Qualified Transactions made during the Principal Cardholders' birthday month (based on transaction date) are entitled to 8X Points for which 8 Points will be rewarded for every HK$1 charged, which include the basic spending reward of 1 Point rewarded under the Citi ThankYou Rewards, the extra 4 Points rewarded under the "5X Points" Program and the extra 3 Points rewarded under "8X Birthday Bonus Points" Program ("the Extra 3X Points").The Extra 3X Points will be capped at 15,000 Points to each Eligible Card account per statement cycle.
2. The Offers are available on a first-come-first-served basis while stock lasts. Any changes of the Offers will be subject to the availability of coupons at the time of redemption.
3. Principal and supplementary Cardholders can each enjoy up to 12 times complimentary access to 60 designated Plaza Premium Lounges worldwide, including Hong Kong, Taiwan, Singapore and London for every calendar year. The Cardholders will be entitled to complimentary access upon spending HK$5,000 per head within 30 days after the date of each lounge visit.
4. Pay for any flight tickets/ hotels/ travel tours in full fares with your Citi PremierMiles Card, you and your family can enjoy free travel insurance. Applicable to spouses under age 76 and/or dependent child(ren) who are unmarried and unemployed and age between 15 days and 18 years or up to 23 years old full time students.
5. Extra Rewards will be awarded when Citi PremierMiles Cardholder reaches total Eligible Transactions (including both local and overseas transactions) of HK$20,000 or above in one statement cycle, he/she will be awarded 12 Points (1 mile) per HK$3 (or equivalent foreign currency) overseas and online foreign currency transaction posted. If the total Eligible Transactions are below HK$20,000, cardholders can still enjoy 12 Points (1mile) per HK$4 (or equivalent foreign currency) for all eligible overseas and online foreign currency transactions.
6. You will enjoy a complimentary fourth night with no black-out dates, when you book four consecutive nights at any hotel booked by a personal travel advisor designated by MasterCard (the “designated travel advisor” is Carlson Wagonlit Travel). Bookings made through other methods such as, travel agents, websites or directly with a hotel will not qualify. To receive your complimentary night (via a statement credit) you must: 1) Make a reservation for a minimum, consecutive four-night stay by contacting the Citi Prestige Concierge, to book directly with a designated travel advisor, 2) Fully pay for your stay with a Citi Prestige Card. Receive one complimentary night (room rate for the fourth night and applicable taxes only) for any consecutive four-night hotel stay booked directly with a MasterCard designated travel advisor. Hotel imposed fees and incidental guest charges are the Cardmember’s responsibility. The value of the complimentary night will be the actual rate, as provided by the designated travel advisor, on that fourth night of the reservation, even if the rate is different from the rate on other nights. Cardmember will be charged the total cost of the stay at checkout and will receive a credit to the credit card statement for the cost of the fourth night (and the applicable taxes). If the cardmember books a special “pre-paid” rate this may require upfront payment in full, at time of booking. Payment in full is defined as pre-payment for the total of all four consecutive nights. Only one complimentary night is eligible per each stay. A stay is consecutive nights booked and stayed on one reservation and does not include back-to back stays. Rates provided will be equal to or lower than the lowest publicly-available fare at the hotel’s official website. The benefit can only be used for the primary account Cardholder. Please see International Complimentary Night Hotels and Resorts Program Terms and Conditions.
7. Cardholder can redeem 1 Asia Miles, British Airways Executive Club, Club CarlsonSM, Etihad Guest, EVA Air Infinity MileageLands, Flying Blue, Garuda Indonesia Frequent Flyer, Hilton HHonors, IHG Rewards Club, Malaysia Airlines Enrich, Qantas Frequent Flyer, Qatar Airways Privilege Club, Singapore Airlines KrisFlyer, Thai Airways Royal Orchid Plus or Virgin Atlantic Flying Club (12 Points) for every HK$6 local spending/HK$4 overseas spending. Overseas spending is defined as transactions made outside of Hong Kong (excluding Mainland China and Macau) or internet transactions, in which the transaction is settled in foreign currency.
8. 2% cash rebate ("Online Spending Cash Rebate"), including the 0.4% Basic Cash Rebate, will be awarded to online transactions charged in currencies other than Hong Kong dollars ("Eligible Online Transactions") to the Eligible Card account. Each Eligible Card account is entitled to receive Online Spending Cash Rebate for the first HK$10,000 (in equivalent foreign currencies) Eligible Online Transactions ("Online Spending Cash Rebate Cap") every statement cycle.
9. Valid until December 31, 2017, eligible on Friday to Sunday only and upon a single local retail transaction of at least HK$500 made by the Citi Clear Card in the same or previous calendar month as the movie ticket purchase.
10. Only applicable to selected individual customers. The quoted Annualized Percentage Rate ("APR") 2.46% is calculated based on monthly flat rate 0.11%, 12-month installment period and HK$1,000,000 loan amount. APR is calculated based on the guidelines as set out in the Code of Banking Practice. For definition of APR, please refer to clause (17). Interest is calculated on the basis of 365 days per year. The actual APR applicable may differ.
11. Loan amount of "Speedy Cash" is up to 12x times of your monthly salary or HK$2,000,000, whichever is lower.
12. Repayment period of "Speedy Cash" is of 6 to 48 months
13. Only applicable to selected individual customers.
14. Loan amount of "Debt Consolidation" is up to 21 times of your monthly salary or HK$800,000, whichever is lower.
15. Citibank (Hong Kong) Limited ("Citibank") reserves the right to accept the relevant proof.
16. Repayment period of "Debt Consolidation" is of 6 to 60 months.
17. An APR is a reference rate which includes the basic interest rate and other fees and charges of a product expressed as an annualized rate.