CITIBANK REWARDS PROGRAM TERMS AND CONDITIONS
1. DEFINITIONS 1.1 In these terms and conditions, unless the context otherwise requires: "bank" means Citibank Singapore Ltd; "card" means a Singapore dollar Citibank Visa or MasterCard credit card (including a Citibank Business Gold Visa credit card and Citibank Harvey Norman MasterCard) issued by the bank but excluding a Citibank staff Business Gold Card; "Card account" 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 supplementary cardmember where the context requires; "Citi Dollar period" means a period of 12 months or 60 months for Gold and Platinum cardmembers (but excluding Business Gold cardmembers), by reference to which Citi Dollars are calculated, but so that the first Citi Dollar period shall commence on the date when the cardmember is entitled to participate in the program and expire at the end of 12 months or 60 months (as the case may be) thereafter and each subsequent Citi Dollar period will commence on the expiry of the previous one; "Program" means the Citibank Rewards Program; "Retail purchase" means a purchase of any goods or services by the use of the card and may, at the bank's absolute discretion and without prior notice, include any card transaction 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 Gold cardmembers, but excluding Business Gold cardmembers), as may be determined by the bank in its absolute discretion, which may be redeemed or obtained by the use of Citi Dollars under the program. 1.2 Unless the context otherwise requires, words and expressions respectively defined or construed in the Citibank Visa/MasterCard Cardmember's Agreement and the Citibank Business Gold Card Agreement shall have the same meanings when used or referred to herein; and words referring to the singular number shall include the plural number and vice versa.
2. PARTICIPATION 2.1 A cardmember residing in Singapore whose card account is in good standing, as determined by the bank in its sole discretion, is entitled to participate in the program as at the date of commencement of the program or the date when a card is issued to him, whichever is the earlier. 2.2 If a cardmember terminates his card account, any unused Citi Dollars shall be automatically cancelled and no longer be available for use by the cardmember; such Citi Dollars shall not be 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 basic cardmember or the bank, the basic cardmember and the supplementary cardmember will forthwith be disqualified from participating in the program and all unused Citi Dollars then accrued shall automatically be cancelled. 2.4 If a supplementary card is terminated at any time for any reason, the basic cardmember will not be disqualified from participating in the program. 2.5 If the card account in respect of a Citibank Business Gold Visa credit card is terminated by the business member or the bank at any time for any reason, the cardmember will forthwith be disqualified from participating in the program.
3. ISSUANCE AND REDEMPTION OF CITI DOLLARS 3.1 Under the program, a cardmember will receive, on a monthly basis, Citi Dollars which will be credited to his card account at the rate of 1 Citi Dollar for every S$5 charged to his card account for retail purchases. 3.2 Citi Dollars shall be calculated on the amount of retail purchases accumulated on a daily basis, by reference to Citi Dollar periods, rounded down to the nearest Citi Dollar. Any refunded retail purchases will not be accredited Citi Dollars. 3.3 In determining the amount of retail purchases for purposes of calculation of Citi Dollars, annual cardmembership fees, interest, late payment charges, GST, cash advances, extended payment plan, income tax payments* and other fees and charges shall not be taken into account provided always that the bank is entitled, in its absolute discretion, at any time and from time to time and without notice and without giving any reason, to take into account any card transaction or charges or retail purchase in the calculation of Citi Dollars 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 retail purchases made during that Citi Dollar period and the cardmember may use the Citi Dollars so accrued to redeem any Reward at any time during that Citi Dollar period. Citi Dollars accrued in any 1 Citi Dollar period shall not be carried forward to subsequent Citi Dollar periods. Any Citi Dollars which are 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 available for 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 are sufficient Citi Dollars, a cardmember may select and redeem any one or more Rewards, based on the qualifying Citi Dollar amount specified in the program catalogue, during each Citi Dollar period, via Citibank online, CitiPhone banking or Instant Citi Rewards channel (please see clause 5) or 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 applicable terms and conditions. 3.6 The accumulation and usage of Citi Dollars shall be specified in the monthly statement of account. Citi Dollars 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 aggregated for purposes of redemption of Rewards. 3.8 Citi Dollars earned by a supplementary cardmember will be credited to the card account of the basic cardmember 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 bears the 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 fee is due. 3.10 The cash rebate redemption can only be done by calling our 24-hour CitiPhone banking on 62255225. The rebate will be reflected as a credit in the statement of account and is not to be taken as a payment in reduction of the minimum payment due. * with effect from 31 October 2009
4. USE OF REWARDS VOUCHER 4.1 Subject to clause 5 below, a Rewards Voucher shall be issued in the name and address of the cardmember, and shall specify the Reward as selected by the cardmember, and may be used by the cardmember 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 in conjunction 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 at the relevant participating merchant. If the cardmember makes a purchase, which exceeds the value
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of the Rewards Voucher, the cardmember must charge the difference to his card. There shall be no refund, in any form whatsoever, if the value of the goods and/or services requested is below that of the Rewards Voucher. Multiple Rewards Vouchers per visit may be used in the redemption of any one Reward, unless otherwise stated. Where the use of more than 1 Rewards Voucher is allowed, a minimum purchase per voucher used as stipulated by the participating merchant must be met. A Reward voucher, which has been redeemed by the cardmember, is neither refundable nor exchangeable for cash, Citi Dollars or for another Reward. 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 Rewards Voucher for another, upon the cardmember's production of the original Rewards Voucher. The bank reserves the right to charge a service fee for the replacement or exchange of any Rewards Voucher. Redemption and use of a Reward is subject to availability and to such conditions as may be specified by the participating merchants. In the event that a participating merchant is, for any reason, unable to supply the goods or services as specified in the Rewards Voucher, the participating merchant reserves the right to supply alternative products or services of similar quality or price to the cardmember. The bank shall not in any way be liable for any goods or services or the quality or performance of such goods or services supplied by any participating merchant, site or service provider or other authorised 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 or agent. All hotel stays are subject to availability of rooms. Reservations must be guaranteed by a Citibank credit card. No walk-in will be entertained and the hotels reserve the right to impose a one-night room charge for late cancellations and no-shows. Cardmembers will be charged accordingly for any double redemption or double usage of Citibank Rewards Vouchers.
5. INSTANT CITI REWARDS 5.1 Pursuant to clause 3.5, Cardmembers may make instant redemption of Rewards using the Citi Dollars at participating merchant outlets by presenting their card at such merchant outlets. Cardmembers will receive a Rewards Voucher in the form of a receipt generated (“Receipt”) from the participating merchant’s credit card terminal. The Rewards Voucher may be used by the Cardmember in exchange for Rewards from the participating merchant or to offset purchases from such participating merchant directly on-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 any circumstances. 5.4 For the avoidance of doubt, terms and conditions stated in clause 4 above apply to the Rewards Voucher/receipt and Rewards redeemed via Instant Citi Rewards.
6. FREQUENT FLYER PROGRAM (FFP) 6.1 If the cardmember participates in the bank’s FFP, then in addition and without prejudice to the other terms and conditions herein, the provisions of this clause 6 shall apply. 6.2 Participation in the FFP is also subject to the terms and conditions of the individual airlines’ frequent flyer programmes. 6.3 To participate in the FFP, the cardmember must first enroll or already be enrolled with a participating airline’s programme. 6.4 Once enrolled, the cardmember can effect mile transfers at the conversion rate of 1 Citi Dollar = 2 miles. 6.5 Each mile transfer by the cardmember to his designated airline's program will be subject to an S$25 administrative fee fixed by the bank.
6.6 Each mile transfer must be to an account bearing his own name, and not to a supplementary cardholder or any other person’s FFP account. 6.7 Each mile transfer must be in multiples of 2 miles, subject to a minimum of 500 miles and a maximum of 100,000 miles per transfer per day. 6.8 Approximately 3 weeks should be allowed to process the transfer of miles. Strictly no urgent request or cancellation will be entertained. 6.9 The cardmember will not receive any Rewards Voucher or confirmation regarding the transfer. However, the cardmember may call the individual airline for an update of accumulated miles. 6.10 The bank cannot be responsible for any fraud or unsuccessful transfer. In the latter case, the cardmember’s Citi Dollars will be reinstated to his card account. 6.11 The bank also cannot be responsible for the cardmember’s miles, which have been successfully transferred, or for the actions of any participating airline in connection with its own programme. 6.12 The airlines participating in this FFP are subject to change without prior notice.
7. OTHER CONDITIONS 7.1 The bank is entitled in its absolute discretion, at any time and from time to time without prior notice, to vary the Rewards or substitute any Reward with another of a similar value. 7.2 The bank may at any time vary, modify or amend these terms and conditions as it may, in its absolute discretion, think fit, and the cardmember shall be bound by such variations and amendments. 7.3 Any abuse or fraud in respect of the issuance of Citi Dollars or redemption of Rewards (including any mile transfer to designated airlines’ programmes), may result in the cancellation of accrued Citi Dollars and any Rewards Voucher already issued. 7.4 Without prejudice to any of the bank's rights and remedies, the bank is entitled, at any time, in its absolute discretion and without giving any reason or notice, terminate the program or withdraw, cancel or invalidate any Reward and/or Citi Dollars already issued. 7.5 The bank is not liable if it is unable to perform its obligations under these terms and conditions, due directly or indirectly to the failure of any machine or communication system, industrial dispute, war, Act of God, or anything outside the control of the bank or its servants or agents. The bank shall not be responsible for any delay in the transmission to the bank of evidence of retail purchases by the participating merchants or any other third party. 7.6 The cardmember hereby authorizes the bank to disclose information regarding the cardmember and the cardmember’s card account(s) to third parties for the purposes of the program. 7.7 The bank's records of all matters relating to the program is conclusive and binding on the cardmember. The bank is entitled, for any reason and at any time, without liability or prior notice, to suspend the calculation or accrual of Citi Dollars, to rectify any errors in the calculation, or otherwise adjust such calculation. 7.8 The program catalogue is valid from 1 October 2009 to 30 September 2010. Redemption of Rewards featured in this catalogue must be made by no later than 30 September 2010. 7.9 The bank's decision on all matters relating to the program is final and binding on the cardmember.
September 2009. Information is correct as at date of upload.