Citi Credit Card 6% rebate on Overseas Spending Promotion (“Promotion”) Terms & Conditions:

1. The promotion period is valid from February 1 to April 30, 2024, both dates inclusive (“Promotion Period”). The Promotion Period consists of 2 phases:
   
   i. Phase 1 : February 1 to March 15, 2024
   ii. Phase 2 : March 16 to April 30, 2024

   A “Phase” is defined as either Phase 1 or Phase 2.

2. This Promotion applies to cardholders (“Cardholders”) of Citi Credit Card (“Citi Credit Card”) issued by Citibank (Hong Kong) Limited (“Citibank”).
3. Cardholders are required to successfully register via one of the following channels during the Promotion Period to participate in this Promotion: (1) at “https://www.citibank.com.hk/english/credit-cards/promotions/spring-overseas-spend-apply”; OR (2) register via Citi Mobile App “Get More” page (“Registration”) in order to participate in this Promotion. Each Cardholder is only required to register once only within the Promotion Period and is not required to register for each Citi Credit Card. Only the first 10,000 successfully registered Cardholders are eligible for this Promotion (“Eligible Cardholders”). Registration with a supplementary card is not accepted.
4. This Promotion applies to any posted retail transactions in foreign currencies (including Renminbi and Macau Patacas) made at overseas physical stores according to the merchant codes/transaction types as defined by relevant card association including but not limited to VISA International, Mastercard Asia/Pacific (Hong Kong) Limited and UnionPay International or a merchant's acquiring bank made with the Citi Credit Card during the Promotion Period (“Eligible Foreign Currency Transactions”). It excludes transactions made in the United Kingdom or 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”). Unless specified otherwise, “Eligible Transactions” refer to Eligible Foreign Currency Transactions with official payment records during the Promotion Period based on transaction date and exclude all Ineligible Transactions (defined below). Transactions with refund of any amount will be deemed ineligible. Citibank has no obligation to clarify whether a transaction is an Eligible Foreign Currency Transaction before the Cardholder conducts such transaction.
5. To be entitled for the 6% Rebate on Eligible Foreign Currency Transactions in a Phase (“Offer 1”), Eligible Cardholder is required to accumulate Eligible Foreign Currency Transactions equivalent to HK$3,000 or above in the same Phase. Each Eligible Cardholder is entitled to a maximum of HK$450 Extra Rebate in a Phase and a maximum of HK$900 Extra Rebate from Offer 1 regardless of the number of Citi Credit Cards used.
6. If the Eligible Foreign Currency Transaction is made through the Citi Cash Back Card, the 6% Rebate from Offer 1 is inclusive of the 2% Cash Rebate on spending in foreign currency stated in “Citi Cash Back Card Cash Rebate Program” and 4% Extra Rebate entitled from Offer 1.
7. In order to be entitled to the HK$300 Extra Rebate (“Offer 2”), Eligible Cardholder is required to accumulate Eligible Foreign Currency Transactions equivalent to HK$30,000 or above in a Phase. Each Eligible Cardholder is entitled to a maximum of HK$300 Extra Rebate from Offer 2 regardless of the number of Citi Credit Cards used.
8. All Eligible Foreign Currency Transactions made with any Citi Credit Card under the same Eligible Cardholder will be considered. Each Eligible Cardholder is subject to a maximum of HK$1,200 Extra Rebate in total, including Offer 1 and Offer 2 regardless of the number of Citi Credit Card used.
9. Eligible Foreign Currency Transactions effected through principal and supplementary cards under the same Citi Credit Card account will be combined.
10. Citibank will determine the eligibility of Eligible Cardholders to participate in this Promotion as well as the transactions based on Citibank’s record, and at the sole and absolute discretion of Citibank. If transactions are confirmed to be qualified for the Extra Rebate under this Promotion (“Extra Rebate”) after verification by Citibank, Extra Rebate will be rounded up to the nearest digit and credited to the Citi Credit Card with the highest spending in Eligible Foreign Currency Transactions (“Cardholder’s Designated Credit Card”) on or before June 30, 2024.
11. Ineligible Transactions include but not limited to, transactions made through PayMe, Alipay, WeChat Pay, cash advance, “Dynamic Currency Conversion transactions”, i.e. transactions with conversion from a foreign currency into Hong Kong Dollars involved at the point of the transaction, purchase of cash vouchers, purchase/add value of gift cards, purchase/reload of stored value cards, Octopus Automatic Add Value service transactions, Octopus Add Value through Mobile Payment such as ApplePay, transactions made through Faster Payment System (FPS) services, charity donations, phone/fax/mail order, traveler’s checks, foreign exchange transactions using Credit Card (for example but not limited to Forex.com, etc.), withdrawal amount/loan amount under the Balance Transfer Program, Cash Conversion Program, “FlexiBill” Installment Program and “PayLite” Installment Program, Quick Cash Installment Program, monthly installments of Merchant Installment Plan, all payments made by Citi PayAll, payment to the Inland Revenue Department, bill payment, utilities bill made with credit card via internet banking or online payment system, auto payment and recurring transactions, mutual funds payment, fees & charges, insurance transactions, casino transactions, unposted/cancelled/refunded transactions, other unauthorized transactions and fraud and abuse transactions.
12. Transactions made in this Promotion will also be considered under the program "Winter spending offer with up to 8% extra rebate! (November 1, 2023 – February 29, 2024)” (“Winter Spending Offer”), subject to the relevant terms and conditions. For details, please refer to the terms and condition of Winter Spending Offer (Citibank.hk/winter-spend2)
13. Eligible Cardholders must keep and submit the relevant original credit card sales slips and original merchant sales receipts in respect of the Eligible Transactions for inspection upon request by Citibank. All documents submitted to Citibank will not be returned.
14. Cardholders’ Designated Credit Card accounts used for Eligible Transactions must be valid and with good credit record during the Promotion Period and the fulfillment period in order to be eligible to receive any Rebate; otherwise, Citibank reserves the right to forfeit the Rebate without prior notice.
15. In case of any fraud/abuse/reversal or cancellation of transactions in respect of which Rebate were rewarded, Citibank reserves the right to debit the equivalent amount of Rebate from the Cardholder’s Designated Credit Card account used for Eligible Transactions without prior notice.
16. Citibank reserves the right to amend these Terms and Conditions or withdraw or terminate this promotion at its discretion without prior notice and Citibank accepts no liability for such amendment, withdrawal or termination. All matters and disputes are subject to the final decision of Citibank.
17. In the event of any discrepancy between the English and Chinese versions of these terms and conditions, the English version shall prevail. If there is any discrepancy between the promotional materials and these Terms and Conditions, these Terms and Conditions shall apply and prevail.
18. No person other than the Cardholders and Citibank will have any right under the Contracts (Rights of Third Parties) Ordinance to enforce or enjoy the benefit of these terms and conditions.
19. These Terms and Conditions are governed by and construed in accordance with the laws of the Hong Kong Special Administrative Region.