CITI REWARDS CARD

Finding the perfect pair

takes time. Earning

rewards does not.

Finding the perfect pair takes time. Earning rewards does not.

Citi Rewards Card brings you 5X Points2 all year round and 8X Points3 in birthday month at supermarkets, department stores and telecom providers in Hong Kong1 - including autopay of your telecommunication bill payments. What's more, with the non-expiry points, you can redeem designated cash coupons with at least 10% off7, movie tickets, air miles or instantly offset spending anytime.

Top reasons to get a Citi Rewards Card

  • Enjoy 5X Points2 all year round and 8X Points3 in birthday month at supermarkets, department stores and telecom providers in Hong Kong1 - including autopay of telecommunication bill payments
  • Redeem designated cash coupons with at least 10% off7, movie tickets, air miles or instantly offset spending anytime with Points that never expire
  • Foreign currency transaction handling charge waiver with Citi Rewards UnionPay Card
  • First Year Annual Fee Waiver

Please select your card:

  • Citi Rewards UnionPay Card

    Citi Rewards UnionPay Card

  • Citi Rewards VISA

    Citi Rewards VISA

  • Citi Rewards MasterCard

    Citi Rewards MasterCard

Welcome Offers

Welcome offers4

Upon accumulative spending of designated amount within the first 2 months from the date of card issuance.

Up to HK$800 Wellcome Cash Coupon




Up to HK$1,000 ZALORA Gift Card




Card Benefits

Earn 5X Points all year round, 8X Points for birthday month

Enjoy 5X Points2 all year round and 8X Points3 during your birthday month on spending at supermarkets, department stores and telecom providers in Hong Kong1 (including autopay of your telecommunication bill payments) throughout the year, and enjoy 1X Points for other spending. No registration needed.

Earn 5X Points all year round, 8X Points for birthday month

Widest Choice of redemption with non-expiry Points

With Points that never expire, you can redeem your Points for rewards anytime at our redemption hotspots or online5.

  • At least 10% off designated coupon redemption with Points7
  • Click onto "Shop Rewards" → "Cash Rewards" → "Gift Vouchers"

    Coupons Redemption discount Points required after discount
    Hung Fook Tong

    Hung Fook Tong HK$50 Coupon

    30% off 8,750
    (Original: 12,500 Points)
    Wellcome

    Wellcome HK$100 Gift Coupon

    10% off 22,500
    (Original: 25,000 Points)
    Häagen-Dazs

    Häagen-Dazs™ HK$50 Gift Coupon

    11,250
    (Original: 12,500 Points)
    Starbucks Hong Kong

    HK$50 Starbucks Card

    11,250
    (Original: 12,500 Points)
  • 10,000 Points = 1 movie ticket
  • 250 Points = Instantly offset HK$1 spending
  • 15 Points = 1 air mile

Extra spending reward of up to 55,000 Points a quarter9

Your Eligible Transactions8 made during the quarter in which you register and in any subsequent quarter(s) can entitle you to enjoy up to 55,000 Points a quarter and up to 220,000 Points a year9. Simply spend as per below to be rewarded quarterly.

  Quarterly Spending Requirements Quarterly Extra Spending Rewards
Reward 1 Make at least 10 Eligible Transactions8
of HK$250 or above each
5,000 Points
Reward 2 Accumulate any number of Eligible Transactions8 to a total amount of HK$50,000 or above 50,000 Points

Four quarterly transaction phases during 2016:

Phase 1: January 1 - March 31
 
Phase 2: April 1 - June 30
 
Phase 3: July 1 - September 30
 
Phase 4: October 1 - December 31

Only for the first 30,000 successful registered card accounts
within the Promotion Period.

Call 8226 8626 to register now

Assuming you successfully register in May 2016.

Spend with your Citi Rewards Card on: a) at least 10 Eligible Transactions8 of HK$250 or above each; and b) any number of Eligible Transactions8 to a total amount of HK$50,000 or above between April and June 2016 will earn you extra 55,000 points in August 2016.

Keep spending in the subsequent quarters – July to September, 2016 and October to December 2016 – to be rewarded quarterly. You can also enjoy at least 10% off designated coupon redemption with Points7.

Month Merchant Categories Spending Amount (HK$) Points Reward Points Earned Total Points Earned
May 2016 Supermarkets $500 5X 2,500 26,200
Department Stores $1,650 5X 8,250
Telecom Providers $1,150 5X 5,750
Others $9,700 1X 9,700
Receive 3X extra Points on your local spending in supermarkets, department stores and telecom providers, if your birthday is in May 3X 9,900 9,900
August 2016 Receive an extra 55,000 Points for making a)10+ Eligible Transactions8 of HK$250+ each and b)any number of Eligible Transactions8 to a total amount of HK$50,000 or above in the quarter of successful registration (i.e. April - June) Extra Spending Reward 5,000
+
50,000
55,000

Hong Kong International Airport Lounge Access

Present your Citi Rewards Card and your boarding pass on the day of travel, and you can enjoy one of the following lounge services at the Hong Kong International Airport for HK$250.

Plaza Premium Lounge
(24 hours service)
Wellness Spa & Salon
(Service hours: 10am - 8:30pm)
2-hour lounge usage6 or
15-minute seated massage
2-hour lounge usage6 or
Shampoo & blow-dry services or
15-minute seated massage
Level 6, Terminal 1
(near Gate 1)
Level 7, Terminal 1
(Please use escalator or lift near Gate 40)
Level 3, Terminal 2
(Opposite to Left Baggage)

For more information, please call the Plaza Premium Lounge Hotline at
396013963960 1396.

Year Round Offers

You can enjoy an array of privileges across the town.

Extra Benefits for UnionPay Card

One card, dual currency

Spending in Hong Kong and overseas will be billed in HKD. Spending in Mainland China will be billed in CNY.

Foreign currency transaction handling charge waiver

You can save 1.95% on every foreign currency transaction.

UnionPay privileges

eslite your way

From now till June 30, 2016, enjoy the offers below at eslite Causeway Bay Store, eslite spectrum Tsim Sha Tsui Store and eslite spectrum Tai Koo Store with your Citi Rewards UnionPay Card:

From now till June 30, 2016, enjoy the offers below at eslite Causeway Bay Store,
eslite spectrum Tsim Sha Tsui Store and eslite spectrum Tai Koo Store with your Citi Rewards UnionPay Card:

From now till June 30, 2016, enjoy the offers below at eslite Causeway Bay Store, eslite spectrum Tsim Sha Tsui Store and eslite spectrum Tai Koo Store with your Citi Rewards UnionPay Card:


Offer 1: HK$50 eslite Cash Voucher

Get a HK$50 eslite Cash Voucher upon a single transaction of HK$500 on Saturdays and Sundays at eslite Hong Kong

Remark: Each Cardholder is eligible to redeem a cash voucher once only with the same credit card each day.


Offer 2: Up to 15% off designated books and consignment counter products

For details, Terms and Conditions, please click here.

Enjoy travel offers

Free Access to Airport Lounges
From now till December 31, 2016, Principal Cardholders can enjoy up to 3 complimentary visits to the Plaza Premium Lounges at The Hong Kong/Macau International Airports. During the 3-hour lounge use, you can enjoy all-day food and beverage, Internet access, international newspapers/magazines and international TV channels, etc. Supplementary Cardholders and guests can enjoy the special rates of only HK$250 / MOP250 each.

Hong Kong Plaza Premium Lounge Locations:

  • West Hall
    Level 7, Departure Level, Terminal 1, Hong Kong International Airport (near Gate 40)
  • East Hall
    Level 6, Departure Level, Terminal 1, Hong Kong International Airport (near Gate 1)
  • Arrival Hall
    Level 3, Arrival Level, Terminal 2, Hong Kong International Airport (below Airport Express platform)

Macau Plaza Premium Lounge Location:

  • Mezzanine Level, Macau International Airport (above Gate 5)

Premium Airport Limousine Transfer Service
From now till December 31, 2016, you can enjoy airport limousine transfer services for as low as HK$250 per trip with accumulative retail spending of HK$/CNY2,000 or more within 30 days prior to reservation.

Services Include:
  • One-way local transfer service: Hong Kong International Airport to/from designated local destination within Hong Kong; or Shanghai city areas to/from Hongqiao or Pudong Airport; or Beijing city areas to/from Beijing Capital International Airport; Cross-border transfer from Hong Kong to Shenzhen Airport
  • Private chauffeur and luggage handling service
  • Meet and greet service
  • Highway, bridge, tunnel toll and parking fees

Reservation must be made by calling: (852) 3122 2333 (Hong Kong) /
(853) 6262 6324 (Macau) at least 5 working days in advance.



WiFiBB Pocket WiFi Rental Privileges
From now till December 31, 2016, you can enjoy the offers below:

UnionPay Diamond Card Exclusive Offers:

  • A complimentary WiFi package (worth HK$120) for the first 100 successful
    online bookings every month
  • Additional 20% discount on rental when reservation is made online

Other Offers:

  • Early Bird Discount: Book 30 days in advance and get 20% off
  • Last Day Free: Get a free day when your rental is over 3 days

You can pickup and return the device at The Hong Kong International Airport.


20% off Cotai First Ferry Ticket
From now till June 30, 2016, enjoy 20% off adult full fare Cotai First Ferry Ticket at designated Cotai Water Jet Ticketing counters for City Route and Airport Route between Hong Kong and Macau.



For details Terms and Conditions, and more UnionPay travel privileges, please click here.


Exclusive shopping and dining benefits around the world with your card

Worldwide ATM cash withdrawal

Withdraw cash with ease at over 1,000,000 Citi & UnionPay ATMs globally.

How To Apply

Applying online for a Citi® Rewards Card is easy. Simply select a submission method most convenient to you.

Eligibility

  • Applicants must be at least 18 years of age
  • For Citi® Rewards Visa and Citi® Rewards UnionPay Card, annual income must be HK$150,000 or more
  • For Citi® Rewards Titanium MasterCard, annual income must be HK$60,000 or more
  • Applicants must be an HKID holder (applicable to Citi® Rewards UnionPay Card only)

Apply Now

  • Select "Apply Now"
  • Fill-in the online application form
  • We'll contact you within 2 working days to complete your application over the phone

Apply Now

  • Select "Apply Now"
  • Fill-in the online application form
  • We'll contact you within 2 working days to complete your application over the phone

Submit Document

Please send copies of your supporting documents via one of the various channels

  • HKID
  • Residential address
  • Income and employment information.

If not a Permanent Hong Kong Resident, please also submit:

  • Employment contract/employment letter showing employment period AND
  • Copies of HKID and passport showing the name, passport number and nationality of the applicant.
  • Year Round Shopping Offers.
  • Apply for a Supplementary Card.

Remarks, Terms and Conditions:Remarks, Terms and Conditions:

Remarks:

  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.
  2. All Qualified Transactions are entitled to 5X Points for which 5 Points will be rewarded for every HK$1 charged, which include the basic spending reward of 1 Point rewarded under the Citi ThankYou Rewards and the extra 4 Points ("the Extra 4X Points").The Extra 4X Points will be capped at 50,000 Points to each Eligible Card account per statement cycle.
  3. 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.
  4. 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.
  5. Citi Rewards UnionPay Card is eligible for Instant Citibank Rewards at designated participating merchants only and is not eligible for online redemptions of Instant Citibank Rewards. Please visit the homepage of the Instant Citibank Rewards for details.
  6. Enjoy all-day food and beverages, shower facility, internet access, international newspapers/magazines and international TV channels, etc. (Service is subject to availability).
  7. 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.
  8. This Program applies to transactions made by the successfully registered Eligible Card accounts in the quarterly phase that a successful registration is made and in any subsequent quarterly phase(s) ("Eligible Transactions"). Eligible Transactions include:
    i.
    All posted local retail transactions, monthly installments of the newly-billed interest-free installment plan posted during the Promotion Period made in Hong Kong dollars
    ii.
    All posted overseas retail transactions made in foreign currencies
    Transactions not eligible for this Program include, but are not limited to Dynamic currency conversion transactions, Octopus Automatic Add Value service transactions, traveler's checks, cash advances, withdrawal amount/loan amount under the Flexi-Installment Program, Balance Transfer Program, Cash Conversion Program and Dial-a-Check Installment Program, payment to the Inland Revenue Department, online bill payment or utilities bill made with Eligible Card via internet banking or online payment system, mutual funds payment, fees & charges, insurance transactions, casino transactions, unposted/cancelled/refunded transactions, other unauthorized transactions and fraud and abuse transactions.
  9. Each successfully registered Eligible Card account is entitled to a maximum of 55,000 Points in a quarterly phase and a maximum of 220,000 Points throughout the Promotion Period.

"ZALORA Online Acquisition Offer" Terms and Conditions

  • The promotion period is valid from June 10, 2016 to August 31, 2016, both days inclusive ("Promotion Period").
  • Customers ("Eligible Cardholders") must submit the application form and successfully apply for a principal card of Citi Rewards Card, Citi Clear Card or Citi Octopus Card, excluding Student Card ("Eligible Card") issued by Citibank (Hong Kong) Limited ("Citibank") during the Promotion Period through the ZALORA website (http://www.zalora.com.hk) or Citibank website (www.citibank.com.hk) and have their Eligible Card applications approved by September 15, 2016.
  • The HK$500 / HK$1,000 ZALORA Gift Card ("Welcome Offer") is only applicable to customers who currently do not hold and / or have not held any principal card of Citi Credit Card within the past 12 months from the date of issue of the Eligible Card ("New Customers").
  • Eligible Cardholders are entitled to the HK$500 ZALORA Gift Card upon accumulating spending of HK$5,500 to HK$9,999 using the Eligible Card within the first 2 months from the date of card issuance, while the Eligible Cardholders are entitled to the HK$1,000 ZALORA Gift Card upon accumulating spending of HK$10,000 or above using the Eligible Card within the first 2 months from the date of card issuance (“Spending Conditions”). Each Eligible Cardholder is entitled to only one Welcome Offer. 
  • All posted transactions conducted by principal and supplementary card(s) are included in the Spending Conditions calculation. Invalid transactions, including but not limited to, withdrawal amount under the Balance Transfer Program, Cash Conversion Program and Dial-a-Check Installment Program, cash advances, fees and charges, payment to the Inland Revenue Department, casino transactions, online bill payment or unposted / cancelled / refunded transactions are excluded.
  • The Welcome Offer will be sent to Eligible Cardholders’ email address (stated in the application form) within 4 months upon meeting the relevant Spending Condition. For the redemption details, the Terms and Conditions of the ZALORA Gift Card, please refer to the email.
  • Eligible Cardholders’ Eligible Card accounts must be valid and in good standing during redemption in order to enjoy the Welcome Offer.
  • 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.
  • The Welcome Offer cannot be changed once indicated on the application form, transferred to another person, cancelled, reversed nor exchanged for cash.
  • In case of any fraud / abuse / reversal or cancellation of transactions included in the calculation of spending condition, Citibank reserves the right to debit from the Eligible Cardholders' credit card account the equivalent amount of Welcome Offer awarded under this promotion without prior notice.
  • The Welcome Offer is available on a first-come-first-served basis while stocks last. Citibank reserves the right to grant an alternative offer in case of shortage.
  • 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. ZALORA is 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.
  • Citibank and ZALORA reserve the right to amend these and relevant terms and conditions at any time without prior notice.
  • All matters and disputes will be subjected to the final decision of Citibank and ZALORA.
  • In the case of discrepancy between the English and the Chinese versions of these terms and conditions, the English version shall prevail.

General Terms and Conditions:

  1. Unless otherwise specified, these programs apply to principal and supplementary cardholders ("Cardholders") of Citi Rewards Card issued by Citibank (Hong Kong) Limited ("Citibank") ("Eligible Card"). The respective merchants may reject an Eligible Card if their payment system cannot handle some of the Eligible Card types. Please contact the respective merchants for details.
  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 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 be entitled 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. Citi ThankYou Rewards Terms and Conditions apply, For details, please visit https://www.citibank.com.hk/global_docs/
    rewards/eng/tnc.htm.
  6. Under Citi ThankYou Rewards, Cardholders will earn Points for valid transactions posted to the Eligible Card account. Cardholders of Citi Rewards UnionPay Card will be awarded 1 Point per HK$1 (or equivalent foreign currency) charged in the HKD account or CNY1 charged in the CNY account. Cardholders of other Eligible Cards will be awarded 1 Point per HK$1(or equivalent foreign currency) charged. Citibank reserves the right to change at any time and without prior notice the ratio between
    (a)
       Point(s) to be awarded; and
    (b)
       the specified amount charged to the Eligible Card account.
  7. For Citi Rewards UnionPay Card, all Points are accumulated under the HKD Account.
  8. Points earned on Citi Rewards Card are evergreen.
  9. 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.
  10. Citibank and the respective merchants reserve the right to amend the terms and conditions without prior notice.
  11. All matters and disputes are subject to the final decision of Citibank and the respective merchants.
  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 and Conditions for the "5X Points" Program and the "8X Birthday Bonus Points" Program:

  1. To enjoy the offers, Cardholders must make qualified transactions with an 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.
  2. Designated Merchant Categories are subject to the definition of Visa, MasterCard International and UnionPay International's Merchant Data Standards and the settings of the acquiring bank. Qualified Transactions made by principal and supplementary Cardholder(s) of the same Eligible Card account are counted collectively in calculating the Points. Qualified Transactions do not include any unposted / cancelled / refunded / falsified / unauthorized transactions / dynamic currency conversion transactions or transactions made overseas, including Mainland China and Macau. Qualified Transactions shall be determined at the sole and absolute discretion of Citibank.

Terms and Conditions for the "5X Points" Program:

  1. The "5X Points" Program is valid from now until further notice (based on the transaction date).
  2. All Qualified Transactions are entitled to 5X Points for which 5 Points will be rewarded for every HK$1 charged, which include the basic spending reward of 1 Point rewarded under the Citi ThankYou Rewards and the extra 4 Points ("the Extra 4X Points").
  3. The Extra 4X Points will be credited to the Eligible Card account a day after the transaction is posted, and capped at 50,000 Points to each Eligible Card account per statement cycle.

Terms and Conditions for the "8X Birthday Bonus Points" Program:

  1. The "8X Birthday Bonus Points" Program is valid from January 1, 2016 until further notice during the Principal Cardholders' birthday month (based on transaction date).
  2. All Qualified Transactions made 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").
  3. The Extra 3X Points will be credited to the Eligible Card account a day after the transaction is posted, and capped at 15,000 Points to each Eligible Card account per statement cycle.

Terms and Conditions for "Discounts on Coupon Redemption Rate" Program:

  1. The "Discounts on Coupon Redemption Rate" Program is valid from January 1, 2016 until further notice (based on redemption date).
  2. In order to enjoy the privileged redemption rates of designated coupons ("Offers"), Cardholders shall redeem the coupons online by logging onto the Citi ThankYou Rewards with the Eligible Card and required Points shall be deducted from the Eligible Card account(s).
  3. 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.
  4. The use of the coupons is subject to the terms and conditions stipulated by the respective merchants.
  5. Photos, product specifications and prices are for reference only.

Terms and Conditions for "2016 Extra Spending Reward of Up to 220,000 Points" Program:

  1. The "2016 Extra Spending Reward of Up to 220,000 Points" Program ("Program") is valid from January 1, 2016 to December 31, 2016, both dates inclusive ("Promotion Period"). The Promotion Period consists of 4 quarterly phases - Phase 1: January 1, 2016 to March 31, 2016; Phase 2: April 1, 2016 to June 30, 2016; Phase 3: July 1, 2016 to September 30, 2016; Phase 4: October 1, 2016 to December 31, 2016 (based on transaction date).
  2. To participate in the Program, Cardholders are required to successfully register via the Citi Rewards Card registration hotline for the "2016 Extra Spending Reward of Up to 220,000 Points" Program at 8226-8626 during the Promotion Period. Each Eligible Card account has to be registered separately once during the Promotion Period. The Program is only valid for the first 30,000 successfully registered Eligible Card accounts within the Promotion Period.
  3. This Program applies to transactions made by the successfully registered Eligible Card accounts in the quarterly phase that a successful registration is made and in any subsequent quarterly phase(s) ("Eligible Transactions"). Eligible Transactions include:
    i.
    All posted local retail transactions, monthly installments of the newly-billed interest-free installment plan posted during the Promotion Period made in Hong Kong dollars
    ii.
    All posted overseas retail transactions made in foreign currencies
    Transactions not eligible for this Program include, but are not limited to Dynamic currency conversion transactions, Octopus Automatic Add Value service transactions, traveler's checks, cash advances, withdrawal amount/loan amount under the Flexi-Installment Program, Balance Transfer Program, Cash Conversion Program and Dial-a-Check Installment Program, payment to the Inland Revenue Department, online bill payment or utilities bill made with Eligible Card via internet banking or online payment system, , mutual funds payment, fees & charges, insurance transactions, casino transactions, unposted/cancelled/refunded transactions, other unauthorized transactions and fraud and abuse transactions.
  4. Upon successful registration with an Eligible Card account, the Eligible Card account will be rewarded with 1) 5,000 Points for making at least 10 Eligible Transactions of HK$250 or above each in a quarterly phase, and/or 2) 50,000 Points for accumulating any number of Eligible Transactions to a total amount of HK$50,000 or above in a quarterly phase. Eligible Transactions under the principal and supplementary cards will be counted collectively. For the Citi Rewards UnionPay Card, the Eligible Transactions amount is the same for Hong Kong Dollar (HKD) and Renminbi (CNY) currencies, i.e. the conversion rate of HKD and CNY is 1:1 in the calculation for Eligible Transactions.
  5. For the avoidance of doubt, Eligible Transactions under different successfully registered Eligible Card accounts will not be combined.
  6. Each successfully registered Eligible Card account is entitled to a maximum of 55,000 Points in a quarterly phase and a maximum of 220,000 Points throughout the Promotion Period.
  7. Citibank will determine the eligibility of the successfully registered Eligible Card account to participate in this Program based on the bank records. If a transaction is verified by Citibank as an Eligible Transaction, Points will be credited to the successfully registered Eligible Card account within two months after a quarterly phase, e.g. on or before May 31, 2016 for the first quarterly phase (January 1, 2016 to March 31, 2016); on or before August 31, 2016 for the second quarterly phase (April 1, 2016 to June 30, 2016); on or before November 30, 2016 for the third quarterly phase (July 1, 2016 to September 30, 2016); on or before February 28, 2017 for the fourth quarterly phase (October 1, 2016 to December 31, 2016)