"Citi Cash Back Card Cash Rebate Program" Terms and Conditions:

Remarks:

1. Citi Cash Back Card Cash Rebate Program ("Rebate Program") applies to the principal and supplementary cardholders ("Cardholders") of Citi Cash Back Card issued by Citibank (Hong Kong) Limited ("Citibank") ("Eligible Card").
2. This Rebate Program applies to "Eligible Transactions" made by Citi Cash Back Card and the calculated rebate amount will be rounded to the nearest cent. Ineligible Transactions including but are not limited to, transactions through Faster Payment System (FPS) services, 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, mutual funds payment, fees & charges, casino transactions, Dynamic Currency Conversion transactions, i.e. transactions with conversion from a foreign currency into Hong Kong Dollars involved at the point of the transaction, unposted/cancelled/refunded transactions, other unauthorized transactions and fraud and abuse transactions. Citibank will use reasonable endeavors to collect and receive information mentioned in the transaction description as shared by network/transaction processor with Citibank to identify Octopus Add Value Service transactions. Citibank may change the list of ineligible transactions from time to time at its discretion. The decision of Citibank as to what constitutes an ineligible transaction shall be final and conclusive.Citibank will use reasonable endeavors to collect and receive information mentioned in the transaction description as shared by network/transaction processor with Citibank to identify Octopus Add Value Service transactions. Citibank may change the list of ineligible transactions from time to time at its discretion. The decision of Citibank as to what constitutes an ineligible transaction shall be final and conclusive.
   The following rebates will be awarded to the correspond "Eligible Transactions" posted:
   a. 1% spending rebate ("Basic Rebate") will be awarded to transactions in any currencies and monthly installments of billed interest free installment plan that are charged to the Eligible Card account (“Eligible Transactions for Basic Rebate”).
   b. 2% foreign currency rebate ("Foreign Currency Rebate") including the 1% Basic Rebate, will be awarded to all posted retail transactions made in foreign currencies charged to the Eligible Card ("Eligible Foreign Currency Transactions").
   Eligible Foreign Currency Transactions exclude card-present transactions made by Cardholders at any merchant with physical premises, address of the fixed place of business or business license in the UK and any country participating in the European Economic Area (EEA) or joining after October 19, 2019, including, without limitation, Austria, Belgium, Bulgaria, Croatia, Republic of Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Iceland, Liechtenstein and Norway (“EEA Participating Countries”).
   For avoidance of doubt, (card-not-present) online transactions made in foreign currencies in at any merchants in EEA Participating Countries and the UK are Eligible Foreign Currency Transactions. Online transactions are transactions with official payment records and classified as online transaction according to the merchant codes/transaction types as defined by relevant card association or a merchant's acquiring bank. Citibank has no obligation to clarify whether an online transaction is an Eligible Transaction before the Cardholder conducts such online transaction.
   c. 2% local dining rebate ("Local Dining Rebate") including the 1% Basic Rebate, will be awarded to all eligible transactions made in Hong Kong dollar at dining outlets in Hong Kong which are classified as restaurants or dining merchants according to the merchant codes issued by relevant card association ("Eligible Local Dining Transaction"). Transactions made in respect of hotel, banquet services, private functions, private room events, department stores, associations and clubhouses, and the food and beverage services provided by the designated merchants of other spending categories will not be counted as Eligible Local Dining Transactions.
   d. 2% local hotel spending rebate ("Local Hotel Spending Rebate") including the 1% Basic Rebate, will be awarded to all eligible transactions made in Hong Kong dollar at the hotels in Hong Kong which are classified as hotels according to the merchant codes issued by relevant card association ("Eligible Hotel Spending Transaction"). Transactions made in respect of banquet services, private functions and private room events will not be counted as Eligible Hotel Spending Transactions.
3. Basic Rebate/ Foreign Currency Rebate/Local Dining Rebate/Local Hotel Spending Rebate awarded in respect of any supplementary cardholders will be attributed to their principal cardholders. For the avoidance of doubt, transactions made by principal and supplementary Cardholders under the same Eligible Card account are counted collectively.
4. The full amount of earned Basic Rebate, Foreign Currency Rebate, Local Dining Rebate and Local Hotel Spending Rebate will be credited to the Eligible Card account on the following statement of account when the accumulated rebate balance reaches HK$200 or above and be used to settle the outstanding balance as well as new purchases excluding the Minimum Payment Due.
5. 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.
6. When an Eligible Card account is closed or suspended under whatever reason, any Basic Rebate, Foreign Currency Rebate, Local Dining Rebate and Local Hotel Spending Rebate remaining in the Eligible Card account will be forfeited.
7. Unless otherwise specified, the Basic Rebate, Foreign Currency Rebate, Local Dining Rebate and Local Hotel Spending Rebate is not transferable and cannot be converted to cash or other offers.
8. To be eligible for this Rebate Program, Eligible Card accounts should be valid, in good standing and in compliance with the conditions that may be imposed by Citibank from time to time.
9. Citibank Hong Kong and respective card associations may at our absolute discretion to suspend, deny or stop any transactions for observing the obligation to comply with applicable laws, regulations, subsidiary legislation, court orders, directives, guidelines and/or requirements of courts, regulatory authorities and government authorities (including the Hong Kong Monetary Authority and the Office of Foreign Assets Control of the United States Department of the Treasury) and any policies or guidelines of Citibank or Citigroup Organisation.
10. Citibank reserves the right to terminate this Rebate Program or amend its terms and conditions at any time without prior notice.
11. Citibank reserves the right to amend the terms and conditions without prior notice, and all matters and disputes are subject to the final decision of Citibank.
12. In the event of any discrepancy between the English and Chinese versions of these terms and conditions, the English version shall prevail.

 

General Terms & Conditions:

1. Unless otherwise specified, these offers apply to principal and supplementary cardholders ("Cardholders") of Citi Cash Back Card issued by Citibank (Hong Kong) Limited ("Citibank") ("Eligible Card").
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 been titled to the offers, and/or suspend the Eligible Card account for investigation without prior notice.
4. Availability of the offers is subject to offer or service availability, account status checking and final acceptance by Citibank and the respective merchant's absolute discretion.
5. Photos, product specifications and prices are for reference only.
6. Unless otherwise specified, all offers cannot be used in conjunction with other special promotions, discounts or promotional coupons, nor be transferred or exchanged for cash or other offers.
7. Citibank shall not be responsible for any matters in relation to the related products or services. The respective merchants are solely responsible for all obligations and liabilities relating to such products or services and all auxiliary services.
8. Citibank and the respective merchants reserve the right to amend the terms and conditions without prior notice.
9. Citibank reserves the right to amend the terms and conditions without prior notice, and all matters and disputes are subject to the final decision of Citibank.
10. In the event of any discrepancy between the English and Chinese versions of these terms and conditions, the English version shall prevail.

 

"Purchase Protection Insurance" Terms and Conditions:

1. The offer is only applicable to Citi Cash Back Card issued by Citibank (Hong Kong) Limited ("Eligible Card").
2. The period of insurance is available from April 1, 2024 to March 31, 2025 (both dates inclusive).
3. Principal cardholders are required to settle payments with their Eligible Card in order to enjoy the offers.
4. The offer starts upon principal cardholders charging their purchase to the Eligible Card for a period of 30 days. For item purchased under a merchandising program, coverage of 30 days shall commence from the date of delivery of merchandise in undamaged condition to the principal cardholder.
5. Citibank (Hong Kong) Limited ("Citibank") is not the insurance underwriter of the Purchase Protection Insurance ("the Policy"). Zurich Insurance Company Ltd. is the insurance underwriter ("the Insurance Underwriter") of the Policy above 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 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, guaranteed 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. Final decisions will be made in accordance with original policy. For insurance details, please refer to the Purchase Protection Insurance Factsheet. For claims enquiry, please call Zurich's Customer Services Hotline at 2903 9482. Citibank and its Insurance Underwriter reserve the right to make the final decision on all claims.