Citi – Retention Spend and Get Promotion (“Promotion”) Terms and Conditions

Definitions: 1.1 “Citi” or “" refers to Citibank Singapore Limited.

1.2 “Eligible Cardmember” refers to an individual who: (i) is an existing main Citibank Credit Card Cardmember of an Eligible Card; AND (ii) directly receives an invitation from Citibank to participate in this Promotion.

1.3 “Eligible Card” refers to Citi Clear Card, Citi Clear Classic Card, Citi Silver Card, Citi Gold Card, Citi Platinum Card, Citi Clear Platinum Card, Citi PremierMiles Card, Citi Cash Back Card, Citi Cash Back+ Card, Citi Rewards Card, Citi SMRT Card, Citi M1 Card, Citi Lazada Card only.

1.4 “Qualifying Spend” refers to any retail transaction charged to the Eligible Accounts (including supplementary card(s), if any) during the Promotion Period and which do not arise from: (i) any Equal Payment Plan (EPP) purchase; (ii) Quick Cash Program or other similar monthly instalment programs/loans drawn down on the available credit limit of the Eligible Accounts; (iii) refunded, disputed, unauthorized, or fraudulent retail purchases; (iv) Citi FlexiBill/Citi PayLite, cash advance, quasi–cash transactions, balance transfers, payment of annual card membership fees, interest, goods and services taxes; (v) fund transfers using the Eligible Account(s) as a source of funds (for example, payments made via Citibank Online and/or CitiMobile®, or any other channel or agent (such as a third party agent for payment of bills); (vi) late payment fees and (vii) any other form of service or miscellaneous fees.

2. “Gift” refers to the S$50 cash to be credited to the Eligible Cardholder who meets a Minimum Spend of S$100 in the following month after he agrees to participate in the Promotion. (for e.g., if an Eligible Cardholder is invited and subsequently agreed to participate in the Promotion on 1 December 2019, the Qualifying Spend period will be from 1-31 January 2020).

3. By participating in this Promotion, the Eligible Cardmember authorizes Citibank to send Short Message Service (“SMS”) notifications pertaining to the Promotion to him/her, till the end of the fulfillment period.

4. Each Eligible Cardholder is only entitled to one Gift, regardless of the number of Eligible Cards that meet the Minimum Spend. Eligible Cardholders who meet the Minimum Spend of S$100 during the Qualifying Spend Period will qualify for the Gift.

5. The Gift will be credited to the Eligible Card account with the highest spend accumulated by Qualifying Spend Period or such other Eligible Card account as determined by Citibank. The Gift will be credited within two (2) months from the end of the Qualifying Spend Period. (e.g.: If the qualifying spend period is from 1-31 January 2020, the gift will be credited by 31 March 2020).

6. The Gift credited to the Eligible Card account cannot be used to offset against any minimum payment due.

7. The Eligible Card account must be open and in good standing at the time the Gift is credited. An Eligible Cardholder whose Eligible Card(s) is/are closed/terminated/cancelled and/or suspended (whether by the cardholder or Citibank or for any reason whatsoever) before the fulfilment of the Gift will not be entitled to receive any Gift on or after the date on which the Eligible Card is closed/terminated/cancelled/suspended.

8. Citibank reserves the right to claw back the Gift if the Customer closes his Eligible Card account within 12 months from the date the Gift is credited. If the Gift has already been fully utilized, Citibank reserves the right to charge the full value of the Gift to the Eligible Card Account. Where the Gift has only been partially utilized, Citibank reserves the right to charge the remaining value of the Gift to the Eligible Card Account.

9. Whether a Qualifying Spend has been effected during the Qualifying Spend Period will be determined with reference to the transaction date based on Singapore time (UTC+08:00). Citibank bears no liability for any late submission or transaction posting of any purchase by any merchant that might affect the Eligible Cardholder’s eligibility for the Promotion.

10. Citibank reserves the right, at its reasonable discretion to terminate this Promotion at any time, and/or vary the terms and conditions governing this Promotion from time to time. Citibank’s decision on all matters relating to this Promotion will be at its reasonable discretion and will be final and binding on all customers. This promotion is not valid with other promotions unless otherwise expressly stated.

11. In the event of any inconsistency between these terms and conditions and any advertising, promotional, publicity and other materials relating to or in connection with the Promotion, these terms and conditions shall prevail.

Citibank full disclaimers, terms and conditions apply to individual products and banking services. For more details, please visit www.citibank.com.sg. ©2021 Citibank Singapore Limited. All rights reserved. Citi, Citibank, Citi and Arc Design and other marks used herein are service marks of Inc. or its affiliates, used and registered throughout the world. Citibank Singapore Limited Co. Reg. No. 200309485K