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CITIBANK REWARDS AND CITI REBATE PROGRAM TERMS AND CONDITIONS(For Citibank Cardmembers only)1. DEFINITIONS1.1 In these terms and conditions, unless the context otherwise requires:"bank" means Citibank Singapore Limited;"card" means a Singapore dollar Citibank credit card (including a Citibank Business GoldVisa credit card) issued by the bank but excluding a Citibank staff Business Gold Card; "cardaccount" means the account maintained with the bank in respect of a card;"cardmember" means a person to whom a card is issued and includes the supplementarycardmember where the context requires;"Citi Dollar period" means a period of 12 months or 60 months for Gold,Platinum, VisaSignature and WORLD MasterCard cardmembers (but excluding Business Goldcardmembers), by reference to which Citi Dollars are calculated, but so that the first CitiDollar period shall commence on the date when the cardmember is entitled to participate inthe Citi Rewards program and expire at the end of 12 months or 60 months (as the case maybe) thereafter and each subsequent Citi Dollar period will commence on the expiry of theprevious one;“Citi Rebate” means the cash rebate(s) that the cardmember is entitled to receive at theparticipating Citi Rebate merchants and may extend to any card transaction as determined bythe bank;"Program" means the Citibank Rewards and Citi Rebate Program;"retail purchase" means a purchase of any goods or services by the use of the card andmay, at the bank's reasonable discretion and with reasonable notice, include any cardtransaction as may be determined by the bank;"Reward" means any goods, services, benefits, arrangements or other privileges (including,without limitation, a waiver of annual cardmembership fees or a cash rebate for Goldcardmembers, but excluding Business Gold cardmembers), as may be determined by thebank in its reasonable discretion, which may be redeemed or obtained by the use of CitiDollars under the Citi Rewards program.“Working day” refers to any day on which banks are open for business in Singapore otherthan Saturday, Sunday and gazetted public holidays in Singapore.1.2 Unless the context otherwise requires, words and expressions respectively defined or construed inthe Cardmember's Agreement in respect of the cards and the Citibank Business Gold Card Agreementshall have the same meanings when used or referred to herein; and words referring to the singularnumber shall include the plural number and vice versa.2. PARTICIPATION2.1 A cardmember residing in Singapore whose card account is in good standing, as determined by thebank, is entitled to participate in the Program as at the date of commencement of the Program or the datewhen a card is issued to him, whichever is the earlier. Participation in this program shall be governed bythese terms and conditions and any amendments made hereto from time to time at the bank’s reasonablediscretion with reasonable notice to the cardmember.2.2 If a cardmember terminates his card account, any unused Citi Dollars and any unused Citi Rebateshall be automatically cancelled and will not be available for use by the cardmember; such Citi Dollarsand Citi Rebate is non-transferable to any other card account of the cardmember.
2.3 If the basic cardmember's card account is terminated at any time for any reason, whether by the basiccardmember or the bank, the basic cardmember and the supplementary cardmember will not be allowedto participate in the Program and all unused Citi Dollars and any unused Citi Rebate in the cardmember’saccount shall be cancelled.2.4 If a supplementary card is terminated at any time for any reason, the basic cardmember will not bedisqualified from participating in the Program.2.5 If the card account in respect of a Citibank Business Gold Visa credit card is terminated by thebusiness member or the bank at any time for any reason, the cardmember will not be allowed toparticipate in the Program.3. ISSUANCE AND REDEMPTION OF CITI DOLLARS3.1 Under the Program, cardmembers of the following cards will receive, on a monthly basis, Citi Dollarswhich will be credited to his card account at the rate of 1 Citi Dollar for every S 1 charged to his cardaccount for retail purchases:3.2 Citi Dollars shall be calculated on the amount of each retail purchase transaction, rounded down tothe nearest Citi Dollar. Any refunded retail charges from the pre-termination of any easy/ extendedpayment plans (EPP) will not be accredited Citi Dollars. The bank will be entitled to claw back from thecard account of a cardmember any Citi Dollars already credited to such card account in respect ofrefunded retail purchases and refunded tax on retail purchases.3.3 In determining the amount of retail purchases for purposes of calculation of Citi Dollars, annualcardmembership fees, interest, late payment charges, GST, cash advances, easy/ extended paymentplans, income tax payments, bill payments and other fees and charges shall not be taken into accountprovided always that the bank is entitled, in its reasonable discretion, and with reasonable notice , to takeinto account or disregard any card transaction or charges or retail purchase in the calculation of CitiDollars or to otherwise vary the basis of calculation of Citi Dollars.3.4 During each Citi Dollar period, the cardmember will receive Citi Dollars based on the amount of retailpurchases made during that Citi Dollar period and the cardmember may use the Citi Dollars in theiraccount to redeem any Rewards at any time during that Citi Dollar period. Citi Dollars accumulated in any1 Citi Dollar period shall not be carried forward to subsequent Citi Dollar periods. Any Citi Dollars whichare not used as at the last day of a Citi Dollar period shall be available for use for a further 1 month;thereupon such unused Citi Dollars shall be automatically cancelled and shall not thereafter be availablefor use by the cardmember nor be reinstated.3.5 Provided that the card account is in good standing as determined by the bank and that there aresufficient Citi Dollars, a cardmember may select and redeem any one or more Rewards, based on thequalifying Citi Dollar amount specified in the Citi Rewards catalogue, during each Citi Dollar period, viaCitibank online, CitiPhone banking or Instant Citi Rewards channel (please see clause 5) or online or viaAVR such other redemption channel as the bank may from time to time inform to the cardmember. Thecardmember agrees that the use of any redemption channel will be governed by its applicable terms andconditions.3.6 The accumulation and usage of Citi Dollars shall be specified in the monthly statement of account. CitiDollars are not transferable and not exchangeable for cash or credit.3.7 If a cardmember has more than 1 card, Citi Dollars earned on all card accounts may be aggregatedfor purposes of redemption of Rewards.3.8 Citi Dollars earned by a supplementary cardmember will be credited to the card account of the basiccardmember and may be used only by the basic cardmember for redemption of Rewards. A
supplementary cardmember may use Citi Dollars to redeem a Reward provided that the claim form bearsthe basic cardmember's authorised signature and the card account number.3.9 Approximately 7 working days should be allowed for the processing of a redemption request.However, waivers of annual cardmembership fee have to be requested at least 1 month before such feeis due.3.10 Cardmembers who wish to redeem their Citi Dollars for cash rebates can only do so via channelsapproved by the bank. The rebate will be reflected as a credit in the statement of account and is not to betaken as a payment in reduction of the minimum payment due.3.11 For the avoidance of doubt, in this clause, the terms “card” or “cards” refer to the card(s) which earnsCitiDollars and the terms “cardmember” or “cardmembers” refer to the cardmember(s) of such card(s).4. USE OF REWARDS VOUCHER4.1 Subject to clause 5 below, a Rewards Voucher shall be issued in the name and address of thecardmember, and shall specify the Reward as selected by the cardmember, and may be used by thecardmember or any supplementary cardmember.4.2 Use of the Rewards Voucher is subject to the terms and conditions stated on the Rewards Voucher.Rewards Vouchers shall not be used to purchase any item on sale or on special offer nor used inconjunction with any discount card, loyalty program, promotional voucher or similar scheme.4.3 To redeem a Reward, the cardmember must present the relevant Rewards Voucher with his card atthe relevant participating merchant. If the cardmember makes a purchase, which exceeds the value of theRewards Voucher, the cardmember must charge the difference to his card. There shall be no refund, inany form whatsoever, if the value of the goods and/or services requested is below that of the RewardsVoucher.4.4 Multiple Rewards Vouchers per visit may be used in the redemption of any one Reward, unlessotherwise stated. Where the use of more than 1 Rewards Voucher is allowed, a minimum purchase pervoucher used as stipulated by the participating merchant must be met.4.5 A Reward voucher, which has been redeemed by the cardmember, is neither refundable norexchangeable for cash, Citi Dollars or for another Reward.4.6 However, under exceptional circumstances and at the cardmember's written request, the bank may,but shall not be obliged to, replace a lost, damaged or stolen Rewards Voucher or exchange a RewardsVoucher for another, upon the cardmember's production of the original Rewards Voucher. The bankreserves the right to charge a service fee for the replacement or exchange of any Rewards Voucher.4.7 Redemption and use of a Reward is subject to availability and to such conditions as may be specifiedby the participating merchants. In the event that a participating merchant is, for any reason, unable tosupply the goods or services as specified in the Rewards Voucher, the participating merchant reservesthe right to supply alternative products or services of similar quality or price to the cardmember.4.8 The bank shall not in any way be liable for any goods or services or the quality or performance ofsuch goods or services supplied by any participating merchant, site or service provider or otherauthorised agent under the Program. The cardmember should seek redress and direct any complaints or
comments in respect of such goods and services to the respective participating merchant, provider oragent.4.9 All hotel stays are subject to availability of rooms. Reservations must be guaranteed by a Citibankcredit card. No walk-in will be entertained and the hotels reserve the right to impose a one-night roomcharge for late cancellations and no-shows.4.10 Cardmembers will be charged accordingly for any double redemption or double usage of CitibankRewards Vouchers.4.11 For the avoidance of doubt, in this clause, the terms “card” or “cards” refer to the card(s) which earnsCitiDollars and the terms “cardmember” or “cardmembers” refer to the cardmember(s) of such card(s).5. INSTANT CITI REWARDS*5.1 Cardmembers may make instant redemption of Rewards using the Citi Dollars/ Citi Miles atparticipating merchant outlets by presenting their card at such merchant outlets. Cardmembers willreceive a Rewards Voucher in the form of a receipt generated (“Receipt”) from the participatingmerchant’s credit card terminal. The Rewards Voucher may be used by the cardmember in exchange forRewards from the participating merchant or to offset purchases from such participating merchant directlyon-the-spot.5.2 Cardmembers will be subject to any additional terms and conditions of the participating merchant.5.3 Any lost, damaged or stolen Rewards Voucher/receipt will not be replaceable under anycircumstances.5.4 For the avoidance of doubt, terms and conditions stated in clause 4 above apply to the RewardsVoucher/receipt and Rewards redeemed via Instant Citi Rewards.5.5 Citi Dollars earned on the CitiBusiness Visa card may not be redeemed via the Instant Citi Rewards.5.6 For the avoidance of doubt, in this clause, the terms “card” or “cards” refer to the card(s) which earnsCiti Dollars/ Citi Miles and the terms “cardmember” or “cardmembers” refer to the cardmember(s) of suchcard(s).5.7 The basic cardmember must present his/her Citibank card at point of Instant Rewards redemption.* Please note that Citi Miles earned on the Citi PremierMiles American Express Card may not beredeemed using the instant redemption channel.6. POINTS TRANSFER PROGRAM (PTP)6.1 If the cardmember participates in the bank’s PTP, then in addition and without prejudice to the otherterms and conditions herein, the provisions of this clause 6 shall apply.6.2 Participation in the PTP is also subject to the terms and conditions of the participating individualairlines’ frequent flyer programmes and the individual hotels’ rewards programmes.6.3 To participate in the PTP, the cardmember must first enroll or already be enrolled with a participatingairline’s/hotel’s programme.6.4 Once enrolled, the cardmember can effect transfers from Citi Dollars/Citi Miles to the relevantrewards currency (“Points”) of the participating individual airlines’ frequent flyer programmes or theindividual hotels’ programmes at the conversion rates as set out against the participating individual
airlines or hotels in the Citi Rewards catalogue (“PTP transfers”). These conversion rates are subject tochange with reasonable notice.6.5 Each PTP transfer by the cardmember to his designated airline's/hotel’s program will be subject to anS 25 administrative fee fixed by the bank.6.6 Each PTP transfer must be to an account bearing his own name, and not to a supplementarycardmember or any other person’s Points account.6.7 Each PTP transfer is subject to a minimum of 500 Points. There may be a cap applicable forparticipating individual airlines or hotels. Please refer to the Citi Rewards Catalogue.6.8 Approximately 3 weeks should be allowed to process the transfer of
qualifying Citi Dollar amount specified in the Citi Rewards catalogue, during each Citi Dollar period, via Citibank online, CitiPhone banking or Instant Citi Rewards channel (please see clause 5) or online or via AVR such other redemption channel as the bank may from time to time inform to the cardmember. The cardmember agrees that the use of any redemption channel will be governed by its .
