CITIBANK REWARDS and CITI REBATE PROGRAM TERMS and CONDITIONS (For Citibank Cardmembers Only)
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CITIBANK REWARDS AND CITI REBATE PROGRAM TERMS AND CONDITIONS (For Citibank Cardmembers only) 1. DEFINITIONS 1.1 In these terms and conditions, unless the context otherwise requires: "bank" means Citibank Singapore Limited; "card" means a Singapore dollar Citibank Visa or MasterCard credit card (including a Citibank Business Gold Visa credit card) 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 Citi Rewards 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; “Citi Rebate” means the cash rebate(s) that the cardmember is entitled to receive at the participating Citi Rebate merchants and may extend to any card transaction as determined by the 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 and may, at the bank's reasonable discretion and with reasonable 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 reasonable discretion, which may be redeemed or obtained by the use of Citi Dollars under the Citi Rewards program. “Business day” refers to any day on which banks are open for business in Singapore other than Saturday, Sunday and gazetted public holidays in Singapore. 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, 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. Participation in this program shall be governed by these terms and conditions and any amendments made hereto from time to time at the bank’s reasonable discretion with reasonable notice to the cardmember. 2.2 If a cardmember terminates his card account, any unused Citi Dollars and any unused Citi Rebate shall be automatically cancelled and will not be available for use by the cardmember; such Citi Dollars and 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 basic cardmember or the bank, the basic cardmember and the supplementary cardmember will not be allowed to participate in the Program and all unused Citi Dollars and any unused Citi Rebate in the cardmember’s account shall 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 not be allowed to participate in the Program. 3. ISSUANCE AND REDEMPTION OF CITI DOLLARS 3.1 Under the Program, cardmembers will receive, on a monthly basis, Citi Dollars which will be credited to their card account at the rate of 1 Citi Dollar for every S$1 charged to their card account for retail purchases. Ready Credit is not eligible for the programme and Citibank Business Gold/ Corporate Gold Cards (Card member liability) are not eligible for instant redemption of Rewards. 3.2 Citi Dollars shall be calculated on the amount of each retail purchase transaction, rounded down to the nearest Citi Dollar. Any refunded retail purchases or any retail charges from the pre- termination of any easy/ extended payment plans (EPP) 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, easy/ extended payment plans, income tax payments, bill payments, Quasi Cash and other fees and charges shall not be taken into account provided always that the bank is entitled, in its reasonable discretion, and with reasonable notice , to take into account or disregard 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 in their account to redeem any Rewards at any time during that Citi Dollar period. Citi Dollars accumulated 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 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 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 Business 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 Cardmembers who wish to redeem their Citi Dollars for cash rebates can only do so by calling our 24-hour CitiPhone banking on 6225-5225. 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. 3.11 For the avoidance of doubt, in this clause, the terms “card” or “cards” refer to the card(s) which earns CitiDollars and the terms “cardmember” or “cardmembers” refer to the cardmember(s) of such card(s). 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 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. 4.4 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. 4.5 A Reward voucher, which has been redeemed by the cardmember, is neither refundable nor exchangeable 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 Rewards Voucher for another, upon the cardmember's production of the original Rewards Voucher.