Citi ThankYouSM Rewards Terms & Conditions 1. GENERAL

Citi ThankYou

Rewards Terms & Conditions

1. GENERAL TERMS & CONDITIONS

1.1 Definitions

In these terms and conditions ("Terms and Conditions") the following definitions apply:

• "Program" means this Citi ThankYou Rewards program i.e. the Rewards program offered

by Us to you as described in these Terms and Conditions;

• "You, Your" means the primary cardmember, the person in whose name the Card Account

is maintained.

• “Account Terms and Conditions” are the terms and conditions and/or cardmember

agreement that govern Your Card Account.

• “Card” means the Citi ULTIMA, Citi Prestige, Citi PremierMiles, Citi Rewards, Citi

Platinum, Citi Clear Platinum, Citi Gold, Citi Classic, Citi Clear Classic, Citi Clear, Citi

Business, Citi Corporate and Citi Lazada Cards issued by Us.

• “Card Account” means the Card issued by Us on which the Program is offered. “Cash

Rebates” means a credit to Your Card’s account.

• “Citi, Citibank, We, Our, Us, Bank” means Citibank Singapore Limited;

• “Global Catalogue” means Rewards offered by participating merchants outside Singapore;

• “Local Catalogue” means Rewards offered by participating merchants in Singapore;

• “Miles” means the Citi Miles earned through usage of the Citi PremierMiles Card as

specified in the Citi PremierMiles Card member’s agreement. Miles may be used to

redeem for Rewards;

• “Participating Loyalty Program” means any participating loyalty program operated by any

partner which is eligible for You to complete a Points Transfer or Instant Points Transfer.

• "Points" means the Citi ThankYou Points or ThankYou Points, and/or such other points

earned through usage of the Card as set out under the Account Terms and Conditions

and which may be used to redeem Rewards as determined.

• “Reward Points” means the reward points earned through usage of the Citi Lazada Card

as specified in the Citi Lazada Visa Signature Cardmember’s Agreement. Reward Points

may be used to redeem for Rewards.

• “Points/Miles/Reward Points Balance” is the then available amount of

Points/Miles/Reward Points You accrued through usage of the Card. The

Points/Miles/Reward Points Balance appears on Your statement and at

www.citibank.com.sg/thankyou.

• “Points Transfer” is the Redemption of Points/Miles/Reward Points in exchange for points

or miles at a Participating Loyalty Program on the Citi ThankYou Rewards website

(www.citibank.sg/thankyou) or Citi Mobile® App.

• “Instant Points Transfer” is the Redemption of Points/Miles/Reward Points in exchange for

points or miles at a Participating Loyalty Program directly on a Participating Loyalty

Program’s website/mobile application/portal.

• “Redemption” means the use of Points/Miles/Reward Points to obtain a Reward through

the Program.

• “Rewards” or “Reward” means any goods, services, benefits, arrangements or other

privileges offered by the Program from time to time based on your Card and may include

merchandise, vouchers, cashback, card annual fee waivers, travel, Travel Products and

points transfer.

• “Working Day” refers to any day on which banks are open for business in Singapore other

than Saturday, Sunday and public holidays in Singapore.

1.2 Participation

• Your Card Account is entitled to participate in the Program at the date of commencement

of the Program or the date when the Card is issued to You, whichever is later; provided

that Your Card Account is and remains in good credit standing, as determined by Us in

Our sole discretion.

• Products & the Merchant Contract

o Each Redemption shall constitute a purchase of the relevant Rewards by You from

the participating merchant and not from Citibank, pursuant to an individual contract

entered into directly and only between that participating merchant and you (such

contract to be referred to as “Merchant Contract”).

o Citibank is authorized to make payments due from You to the participating

merchant under the Merchant Contract on Your behalf.

o Citibank shall not have any responsibility or liability relating to the compliance or

non-compliance by You or any Merchant under any Merchant Contract, and at no

point in time shall Citibank establish or be required to establish any contract for the

provision of, or to provide any warranty or representation with respect to, the

delivery, sale or provision of Rewards.

o Citibank shall not under any circumstances be responsible for any delivery, after-

sales service, payment invoicing or collection, customer enquiries (not limited to

sales enquiries), technical support, maintenance services and/or any other

obligations or services relating to or in respect of the Rewards under the Merchant

Contract.

o Citibank shall not in any way be liable for any goods or services or the quality of

performance of any Rewards supplied by any merchant, site or service provider or

other authorised agent under the Program. You should seek redress and direct

any complaints or comments in respect of such Rewards to the respective

participating merchant, provider or agent.

o If Rewards have a warranty they will carry their manufacturer’s warranty and We

give no warranty with respect to Rewards provided by third party merchants and

furthermore are not responsible for the fulfillment of warranties. We will not

respond to obligations of manufacturers or providers of goods and services and

any claims in respect of those Rewards should be made with those suppliers or

manufacturers. Merchandise shipped to You outside Singapore from international

merchants and therefore require the import of products into the country may lose

their warranty upon importation and such products may not have local technical

support. As such, You agree to forfeit Your rights to relevant warranties upon

agreeing to redeem any item identified as shipped from outside Singapore.

• Rewards Website

o The Rewards website may be operated and managed by third parties.

o All descriptions, warranties or specifications of any Rewards made available to you

for Redemption or sold to you under a Merchant Contract are provided by the

relevant participating merchant and not Citibank.

1.3 Redemption of Points/Miles/Reward Points

• Provided that Your Card Account is in good standing as determined by Us and under the

Card Account Terms and Conditions, and Your Card Account has sufficient

Points/Miles/Reward Points, You are entitled to redeem Reward(s).

• Rewards may be redeemed via the channels We specify. Redemption channels and/or

conditions may be changed or varied at Our sole discretion.

• Certain Rewards are available to selected Card types only.

• Once the Redemption has been submitted, the Redemption cannot be reversed, cancelled

or changed and the Points/Miles/Reward Points Balance subject to the right of the Bank

to reverse or cancel the Points/Miles/Reward Points redemption at its discretion exercised

reasonably (including where that there has been a wrongful crediting of

Points/Miles/Reward Points to your relevant Citi Card account or where the redemption

has been approved or processed in error).

• You may not return any Reward unless, the Reward is damaged and You agree that the

return is subject to the then prevailing terms and conditions We specify in respect of the

return.

• The total number of Points/Miles/Reward Points required for a Redemption of a chosen

Reward will be displayed or communicated during the checkout process.

• Redemptions via CitiPhone may require an additional number of Points/Miles/Reward

Points (compared to Redemptions via the Program website). You will be advised to the

total number of Points/Miles/Reward Points required at the time of Your Redemption

request.

• We have no responsibility or liability in connection with or towards any Reward You

redeem under the Program, any death or injury, loss or consequential loss or damage

from any Reward or the loss, theft or destruction of any Reward.

• The primary cardmember is the sole authorized person who may perform the Redemption

or Rewards.

1.4 General Information

• Terms relating to the accumulation of Points/Miles/Reward Points shall be specified in

Your Account Terms and Conditions.

• Any request for adjustment of Points/Miles/Reward Points is subject to Our approval at

Our reasonable discretion.

• Rewards and Rewards availability may be determined by Us at Our absolute discretion.

We have the discretion to determine if Points/Miles/Reward Points may be used to redeem

Rewards.

• All questions or disputes regarding eligibility for the Program or eligibility of

Points/Miles/Reward Points for redemption will be determine by Us at Our sole discretion

(exercised reasonably). You acknowledge and agree that Our decision on all matters and

disputes relating to the Program shall be final and binding.

• We reserve the right to suspend or exclude You from participating in the Program and

forfeit all or part of the Points/Miles/Reward Points You have accrued if, in Our opinion,

You have in any way breached these Terms and Conditions and/or Your Card Account

Terms and Conditions.

• If Your Card Account is terminated at any time for any reason, whether by You or Us, the

Card Account will be disqualified from participating in the Program, and all unused

Points/Miles/Reward Points then accrued is non-transferrable to any card account

(whether belonging to You or any other person) and shall automatically be forfeited

immediately upon termination of Your Card Account.

• Our decision and Our records on all matters relating to the Program shall be conclusive,

final and binding on You.

• We are entitled in Our reasonable discretion, from time to time, to vary the Rewards or

substitute any Reward with another of a similar value.

• We may at any time in Our reasonable discretion vary, modify, or amend the Terms and

Conditions of the Program, by giving reasonable notice to You and You shall be bound by

such variations, modifications and amendments upon publication on

www.citibank.com.sg.

• We may, at any time and without any notice, suspend, or, with reasonable notice, cancel

or terminate the Program or withdraw, cancel or invalidate any Points/Miles/Reward Points

and/or Reward already issued and You agree We are not obliged to provide a reason for

the suspension, cancellation or termination. We are also entitled, for any reason and at

any time, without liability, to suspend the calculation or accrual of Points/Miles/Reward

Points to rectify any errors in the calculation of Points/Miles/Reward Points or otherwise

adjust such calculation.

• Any abuse or fraud in respect of the issuance or accumulation of Points/Miles/Reward

Points and/or redemption of Rewards may result in the cancellation of all accrued

Points/Miles/Reward Points and/or Rewards redeemed.

• We are not liable if we are unable to perform Our obligations under these Terms and

Conditions, due directly or indirectly to the failure of any machine or communication

system, industrial dispute, way, Act of God, or anything outside Our control or Our servants

or agents. We shall not be responsible for any delay in the transmission to Us of evidence

of retail purchases by the participating merchants or any other third party.

• Save in the case of gross negligence or willful default, We shall not be liable for any errors,

delays, omissions in the performance of Our obligations under these Terms and

Conditions.

• Save as expressly set out otherwise, these Terms and Conditions is governed by

Singapore law and You hereby submit irrevocable to the non-exclusive jurisdiction of the

Singapore courts.

• These Terms and Conditions shall be read in conjunction with the terms as set out in the

Cardmember’s Agreement applicable to Your Card. In the event of any conflict or

inconsistency between these Terms and Conditions and the terms in the Cardmember’s

Agreement applicable to Your Card, the terms in the Cardmember’s Agreement will

prevail.

2. SHOP AT PARTNERS

2.1 Pay with Points

2.1.1 Definitions

For the purposes of this Program, the following words are defined as follows:

• “Account Terms and Conditions” are the terms and conditions and/or cardmember

agreement that govern your Card Account;

• “Cardholder, You, Your” refers to all principal/primary Cardholders of Citi Cards that is

active and in good credit standing;

• “Cash Back” means Cash Back Dollars earned on Citi Cash Back+ Cards;

• “Citi Card” means the Citi ULTIMA, Citi Prestige, Citi PremierMiles, Citi Rewards, Citi

Platinum, Citi Clear Platinum, Citi Gold, Citi Classic, Citi Clear Classic, Citi Clear, Citi

Business, Citi Corporate, Citi Lazada, Citi M1 and Citi Cash Back+ Cards issued by Us or

such other cards that we may determine from time to time;

• “Citi, Citibank, We, Our, Us, Bank” means Citibank Singapore Limited;

• “Miles” means Citi Miles earned on Citi PremierMiles Cards;

• “Points” means the Citi ThankYou Points/ThankYou Points earned on Citi ULTIMA, Citi

Prestige, Citi Rewards, Citi Platinum, Citi Clear Platinum, Citi Gold, Citi Classic, Citi Clear

Classic, Citi Clear, Citi Business and Citi Corporate Cards

• “PWP Program or PWP” refers to the Citibank Pay with Points Program which include

“Pay with Points SMS”, “Pay with Points Online”, “Samsung Pay - Citi Pay with Points ”,

“Pay with Points via Merchants” and “Always Pay with Points;

• “Rebates” means Citi M1 Rebates earned on Citi M1 Cards; “Reward Points” means

Reward Points earned on Citi Lazada Cards;

• “Rewards” means either Cash Back, Miles, Points, Rebates or Reward Points, where

relevant.

2.1.2 Pay with Points SMS

• The Pay with Points SMS service is only available for the Citi ULTIMA, Citi Prestige, Citi

PremierMiles, Citi Rewards, Citi Platinum, Citi Clear Platinum, Citi Gold, Citi Classic, Citi

Clear Classic, Citi Clear, Citi Business, Citi Corporate, Citi Lazada, Citi M1 and Citi Cash

Back+ Cards issued by Us (“PWP SMS Cards”).

• Pay with Points SMS is a service where you will receive a Pay with Points SMS after you

have performed an Eligible PWP SMS Transaction (defined in paragraph 2(b)) with

Participating PWP SMS Merchants (defined below), inviting you to pay the transaction

amount charged to your PWP SMS Card for the Pay with Points SMS Transaction in full

or in part using the available Rewards on your PWP SMS Card. The Pay with Points SMS

will be sent to your mobile phone number in our records.

• For the purposes of this Pay with Points SMS service, “Eligible PWP SMS Transaction”

refers to the charge of Cardholder’s purchase at a PWP SMS Merchant to a PWP SMS

Card, with a Participating PWP SMS Merchant. “PWP SMS Merchants” refers to the

merchants or category of merchants as listed at citibank.com.sg/pwp. Where a PWP SMS

Merchant is determined by a category, Citibank will determine the category by using the

Merchant Category Code (MCC) of that merchant. The MCC is a four-digit number

assigned to a merchant/business by the merchant’s acquiring bank. The acquiring bank

provides the credit card payment facilities used by the merchant and it determines and

applies (with respect to the account), the MCC which in its view best describes the

merchant activity. Citibank does not determine the merchant’s MCC.

• To effect the redemption (full or partial), you will need to click on the link provided in the

Pay with Points SMS received from Us within 24 hours of making the Eligible PWP SMS

Transaction. By clicking on the link, you will be routed to screens where you:

o will be informed about your available Rewards balance on your PWP SMS Card

(“Available Rewards Balance”) and the maximum number of Rewards that will be

deducted from your Available Rewards Balance if you wish to pay for your Eligible

Transaction in full using your Rewards (“Maximum Rewards Redemption”); and

o will be invited to redeem any number of Rewards, up to the Maximum Rewards

Redemption or your Available Rewards Balance (whichever is lower), to pay for

your Eligible Transaction.

o For foreign currency transactions, the Singapore dollar amount shown on the Pay

with Points SMS and the subsequent PWP screens is indicative only and based

on our prevailing foreign exchange rate at that time. Such indicative amount may

differ from the actual amount in Singapore dollars that is charged to your PWP

SMS Card (“Posted Amount”) as: (i) the Posted Amount is converted from the

foreign currency amount using the foreign exchange rate of the card association

or Citibank at the time of such conversion (depending on whether the conversion

is done by the card association or Citibank), in accordance with the terms of your

Citi Card cardmember agreement; and (ii) there is an administration fee for foreign

currency transactions, as set out in your PWP SMS Card cardmember agreement

which will be included in the Posted Amount.

2.1.3 Pay with Points Online

• The Pay with Points Online service is only available for the Citi ULTIMA, Citi Prestige, Citi

PremierMiles, Citi Rewards, Citi Platinum, Citi Clear Platinum, Citi Gold, Citi Classic, Citi

Clear Classic, Citi Clear, Citi Business, Citi Corporate and Citi Lazada Cards, excluding

Citi M1 and Citi Cash Back+ Cards issued by Us (“PWP Online Cards”).

• The Pay with Points Online service allows you to redeem your available Rewards via

Citibank Online or Citi Mobile® App for statement credits to cover Eligible PWP Online

Purchases (defined in paragraph 3(c) below) charged to your PWP Online Card.

• To make use of the Pay with Points Online service, you must be enrolled for Citibank

Online or Citi Mobile® App

• For the purposes of this Pay with Points Online service, “Eligible PWP Online Purchases”

are retail purchases made using your PWP Online Card within 60 days of a

Points/Miles/Reward Points redemption date. Temporary authorizations are not eligible

for redemption under the Pay with Points service. A “Retail Purchase” means a purchase

of any goods or services by the use of the card and may, at our reasonable discretion

include or exclude any card transaction as may be determined by Us. Retail Purchases

exclude annual card membership fees, interest, late payment charges, GST, cash

advances, easy/ extended payment plans, income tax payments, bill payments (for

example, payments via Citibank Online or via any other channel or agent (such as a third

party agent for payment of bills) whether for bill payments or otherwise) and any other

form of service/miscellaneous fees and such other transactions excluded from earning

Rewards as set out in the relevant cardmember’s agreement applicable to your PWP

Online Card.

• For the Pay with Points Online service on Citibank Online, only full redemption of the value

of an Eligible PWP Online Purchase are allowed unless otherwise notified to you.

However, for the Pay with Points Online service on the Citi Mobile® App, we may allow

you to use your available Rewards to effect a full or partial redemption of the value of an

Eligible PWP Online purchase. In the event of a partial redemption, you are still liable to

make payment of the remaining value of the relevant Eligible PWP Online purchase.

2.1.4 Pay with Points via Merchants

• The Pay with Points via Merchants service is only available for the Citi ULTIMA, Citi

Prestige, Citi PremierMiles, Citi Rewards, Citi Platinum, Citi Clear Platinum, Citi Gold, Citi

Classic, Citi Clear Classic, Citi Clear, Citi Business, Citi Corporate and Citi Lazada Cards,

excluding Citi M1 and Citi Cash Back+ Cards issued by Us (“PWP Merchant Cards”).

• Pay with Points via Merchants is a service where you will be able to perform an Eligible

PWP via Merchants Transaction (defined below) made with Eligible PWP Integrated

Merchants (defined below), inviting you to redeem your available Rewards which can then

be used to off-set, either fully or partially (subject to a cap that is determined by Us and

which can be amended by Us from time to time), the transaction amount charged to your

PWP Merchant Card for the Eligible PWP via Merchants Transaction.

• For the purposes of this Pay with Points via Merchants service, “Eligible PWP via

Merchants Transaction” refers to the charge of Cardholder’s purchase at Eligible PWP

Integrated Merchants to a Citi Card. “Eligible PWP Integrated Merchants” refer to the

merchants listed on citibank.com.sg/pwp that have been integrated with Citi’s PWP

Program.

• You must enroll for this service via the self-registration process on the relevant Eligible

PWP Integrated Merchant’s website/mobile application/portal (as the case may be), as

further explained below. In connection with your enrollment, you agree that Citi will provide

the relevant Eligible PWP Integrated Merchant with information about your Rewards

balance.

• During the self-registration process, you will need to enter your Cardholder details on the

relevant Eligible PWP Integrated Merchant’s website/mobile application/portal (as the

case may be) and you will be prompted to key in a One-Time Password (“OTP”) via your

Citi registered mobile number to enter for verification. Thereafter, your Rewards balance

will be linked to your account with Eligible PWP Integrated Merchants using the Card

Account that you have selected. Please note that if you have de-enrolled, you may need

to perform a fresh enrollment in order to enjoy the Pay with Points via Merchants service.

• To effect the full or partial redemption of your Rewards, you will need to select the Pay

with Points option as your preferred payment option found on the checkout page of each

Eligible PWP Integrated Merchants. You will be able to view your Available Rewards

Balance on your PWP Merchant Card and the number of Rewards that will be deducted

from your Available Rewards Balance for you to off-set, either fully or partially, the Eligible

PWP via Merchants Transaction amount using your Rewards.

• Upon checkout, Citi will deduct from your Rewards Balance the number of Rewards you

are redeeming in respect of the Eligible PWP via Merchants Transaction. There is no fee

to redeem your Rewards through Pay with Points via Merchants. Eligible PWP Integrated

Merchants may restrict the use of Rewards for purchases of select items. Purchases made

with Rewards are subject to the return policy and terms and conditions of the relevant

Eligible PWP Integrated Merchants, which can be found on their websites.

• All credit card payments for purchases made with Eligible Pay with Points Integrated

Partners must be made in SGD (Singapore Dollars). Card Accounts may be charged

foreign exchange fees if purchases are made in other foreign currencies, in accordance

with the terms of the relevant cardmember’s agreement.

• Your use of the website/mobile application/portal of any Eligible PWP Integrated Merchant

is at your own risk. Citibank will not be responsible for any losses caused to you due to

any delay or error in the website/mobile application or portal of any Eligible PWP

Integrated Merchant.

2.1.5 Always Pay with Points

• The Always Pay with Points service is only available for the Citi ULTIMA, Citi Prestige, Citi

PremierMiles, Citi Rewards, Citi Platinum, Citi Clear Platinum, Citi Gold, Citi Classic, Citi

Clear Classic, Citi Clear, Citi Business, Citi Corporate and Citi Lazada Cards, excluding

Citi M1 and Citi Cash Back+ Cards issued by Us (“APWP Cards”).

• Always Pay with Points allows you to redeem your available Rewards via Citi Mobile® App

for statement credits by setting up automatic redemptions to off-set Eligible Always PWP

Purchases (defined in paragraph 5(c) below) charged to your APWP Card.

• Always Pay with Points service is available on Citi Mobile® App and such other channels

that may be determined by Us.

• For the purposes of this Always Pay with Points service, “Eligible Always PWP Purchases”

refers to retail purchases made using your APWP Card at the point of authorization with

an Eligible Always PWP Merchant. “Eligible Always PWP Merchants” refers to the

merchants as listed at citibank.com.sg/pwp. The list of Eligible Always PWP Merchants

will be determined by Citibank at its sole discretion and may be updated from time to time.

Citibank has no arrangement or association with these merchants for this service.

Accordingly, by determining that a merchant is an Eligible Always PWP Merchant, Citibank

does not endorse any of these merchants’ products and/or services.

• For the Always Pay with Points service on the Citi Mobile® App, only full redemption of

the value of an Eligible Always PWP Purchase is allowed unless otherwise notified to you.

• To effect the redemption, you will need to go to credit card settings and click on Always

Pay with Points. By clicking on Always Pay with Points, you will be routed to screens

where:

o you will be able to select a Participating Always PWP Merchant;

o you will be able to select an amount limit where Eligible Always PWP Purchases

that are below the selected amount limit which will be automatically redeemed.

Eligible Always PWP Purchases that are above the selected amount limit will not

be automatically redeemed. For the avoidance of doubt, if you have selected an

amount limit of below S$50, a transaction amount of S$49.99 and below will be

automatically redeemed but a S$50.00 transaction amount and above will not be

automatically redeemed;

o you will be able to select a period of time, from the next business day after you

have successfully set up Always Pay with Points service, within which your Eligible

Always PWP Purchases will be automatically redeemed. Eligible Always PWP

Purchases that are after the selected period of time will not be automatically

redeemed. If you choose “No End Date”, you will continue to redeem for Eligible

Always PWP Purchases as long as you have sufficient Points/Miles/Reward Points

to redeem; or

o you can login to Citi Mobile® App and deselect the Participating Always PWP

Merchant to cancel the Always Pay with Points Service for the relevant

Participating Always PWP Merchant.

• In the event that you do not have enough Rewards to automatically redeem for the next

Eligible Always PWP Purchase, you will not be able to make an automatic redemption for

your Eligible Always PWP Purchase until you accumulate enough Rewards.

2.1.5 Samsung Pay – Citi Pay with Points

• The Samsung Pay – Citi Pay with Points service is only available for the Citi ULTIMA, Citi

Prestige, Citi PremierMiles, Citi Rewards, Citi Platinum, Citi Clear Platinum, Citi Gold, Citi

Classic, Citi Clear Classic, Citi Clear, Citi Business, Citi Corporate and Citi Lazada Cards,

excluding Citi M1 and Citi Cash Back+ Cards issued by Us (“Samsung PWP Cards”).

• Samsung Pay - Citi Pay with Points is service where you will receive a notification from

Samsung Pay after you have performed the Eligible Samsung Pay PWP Transaction

(defined below) made with Samsung Pay for Participating Samsung Pay PWP Merchants

(defined below), inviting you to pay the transaction amount charged to your Samsung PWP

Card for the Samsung Pay - Citi Pay with Points Transaction in full using the available

Rewards on your Samsung PWP Card.

• For the purposes of this Samsung Pay - Citi Pay with Points service, “Eligible Samsung

Pay PWP Transaction” refers to the charge of Cardholder’s purchase at Participating

Merchants to a Samsung PWP Card, where the transaction is made with Samsung Pay

and you have the required Rewards for redemption. “Participating Samsung Pay PWP

Merchants” refer to the merchants that accept Samsung Pay as a form of payment.

• To effect the full redemption, you will need to click on the notification received from

Samsung Pay or the latest ten (10) Eligible Samsung Pay PWP Transactions which you

can view on the Card Details screen on your Samsung Pay App.

• By clicking on “Redeem Now”, you will be routed to screens where you will be informed

about your Available Rewards Balance on your Samsung PWP Card and the number of

Rewards that will be deducted from your Available Rewards Balance for you to pay for

your Eligible Samsung Pay PWP Transaction in full using your Rewards.

2.1.6 Terms Generally Applicable to PWP Program

• If the Rewards redemption is successful, the amount of Rewards required for the

redemption will be deducted from your Citi Card account’s Available Rewards Balance.

Your relevant Citi Card account will be credited accordingly within 3-5 working days of

redemption. Please note that where such successful redemption is within 3-5 working days

prior to the date of issuance of your statement for the relevant Citi Card account, such

credit to your relevant Citi Card account will only be reflected in your statement of account

for the following month. Accordingly, you will have to continue to make payment of the

amounts as stated in your statement of account.

• Once the redemption request has been submitted, the redemption cannot be reversed,

cancelled or changed and the Rewards used in the redemption cannot be transferred back

to your Available Rewards Balance subject to the right of the Bank to reverse or cancel

the Rewards redemption at its discretion exercised reasonably (including where that there

has been a wrongful crediting of Rewards to your relevant Citi Card account or where the

redemption has been approved or processed in error).

• Rewards redeemed and statement credits credited to your Citi Card account is not

considered a payment to your Citi Card account, cannot be encashed and cannot be used

to offset the minimum amount due, total amount due or any amount in between that is due

on your Citi Card account statement. You are required to settle at least the minimum

amount due to avoid late charges from being billed to your Citi Card account.

• In the event that you have a dispute with any merchant, and in the event that a transaction

where you have made a redemption under the PWP Program is reversed by a merchant,

the dollar transaction amount of the transaction, and not the Rewards used to pay for such

transaction, will be credited back to your statement of account.

• Any disputes or queries with regards to the goods and/or services purchased or redeemed

under the PWP Program shall be directed to the respective merchant.

• Citibank shall not be responsible for the quality, merchantability or the fitness for any

purpose or any other aspect of the products and/or services provided by third parties.

Notwithstanding anything herein, Citi shall not at any time be responsible or held liable for

any loss, injury, damage or harm suffered by or in connection with the products and/or

services provided by third parties.

• Citibank shall not be responsible of costs incurred in connection with the PWP Program.

In particular, you agree that you shall bear any costs of mobile data or SMS costs incurred

when you send or receive such mobile data or SMS from Us in connection with the PWP

Program.

• Citibank reserves the right to charge a fee for using the PWP Program provided that such

fees will be disclosed on the relevant PWP Program channels where applicable.

• Citibank may set minimum and/or maximum Rewards, partial or full redemption

requirements for the PWP Program at any time at our reasonable discretion.

• Citibank has the right to change the Rewards to Singapore Dollar conversion rates under

the PWP Program at any time at our reasonable discretion.

• The PWP Program may be modified or terminated at any time at our reasonable discretion.

• Additional Citi ThankYou

Rewards terms and conditions apply and are available at

citibank.com.sg/thankyou

2.2 Shop with Points

• The Shop with Points (“SWP”) service is only available for the Citi ULTIMA, Citi Prestige,

Citi PremierMiles, Citi Rewards, Citi Platinum, Citi Clear Platinum, Citi Gold, Citi Classic,

Citi Clear Classic, Citi Clear, Citi Business and Citi Corporate Cards, excluding Citi Lazada

Cards issued by Us (“SWP Cards”).

• The SWP service allows you to pay for an eligible transaction made at Amazon.com

(“Amazon Transaction”) with the available Points/Miles on your SWP Card. Amazon

Services LLC (“Amazon”) may restrict the use of Points/Miles for purchases of select items

at Amazon.com, which may change at any time. For instance, you may not use

Points/Miles while making purchases with 1-Click. Amazon.com’s terms and conditions

apply to purchases using Points/Miles at Amazon.com and are available at

www.amazon.com.

• In order to use your Points/Miles towards an Amazon Transaction, You must complete the

self-registration process, which will link your SWP Card Account to your Amazon.com

account. After You are enrolled, We will provide Amazon with information about your SWP

Card Account. You will also receive emails from Amazon and Us confirming your

registration and telling you how to de-enroll. To self-register, visit www.amazon.com/citi.

o If You make an Amazon Transaction, you can choose to pay for the Amazon

Transaction with your Points/Miles, your SWP Card or a combination of both.

o If You choose to pay for the Amazon Transaction with your Points/Miles, whether

in whole or in part, We will deduct from your SWP Card Account’s Points/Miles

Balance the number of Points/Miles you redeem for your Amazon Transaction.

Please note that your SWP Card Account Points/Miles Balance may not reflect

redemptions for pending Amazon Transactions until the purchase has shipped.

o The Points/Miles to USD conversion rates will be disclosed to You at the time of

the redemption. We have the right to change Points/Miles to dollar conversion

rates at any time. If you do not agree to the Points/Miles to dollar conversion rates,

you should not proceed with the Points/Miles redemption. In addition, We or

Amazon may set minimum Points/Miles redemption requirements for an Amazon

Transaction. If a redemption requirement applies, it will be disclosed to You at the

time of redemption.

o Purchases made with Points/Miles are subject to Amazon’s return policy, which

can be found at Amazon.com.

o There is no fee to redeem your Points/Miles at Amazon.com.

o There is no restriction on the number of Amazon.com accounts (whether these

accounts are in your name or not) that you may permit your SWP Card Account to

be linked to. If you allow your SWP Card Account to be linked to multiple

Amazon.com accounts, the respective Amazon.com account holders will be able

to make purchases on Amazon.com using your Points/Miles Balance, your SWP

Card Account, or a combination of both, and you will be deemed to have authorised

each of these transactions. For the avoidance of doubt, you will not be able to see

if your SWP Card Account has been linked to any other Amazon.com accounts

that are not under your name.

o All credit card payments for SWP purchases on Amazon.com must be made in

USD (United States Dollars). As a result you may be charged Foreign Exchange

fees when making purchases in USD on Amazon.com, in accordance with your

SWP Card cardmember’s agreement.

2.3 Apple Products

• The Apple Products service is only available for the Citi ULTIMA, Citi Prestige, Citi

PremierMiles, Citi Rewards, Citi Platinum, Citi Clear Platinum, Citi Gold, Citi Classic, Citi

Clear Classic, Citi Clear, Citi Business and Citi Corporate Cards, and excludes Citi Lazada

Cards issued by Us.

• Citi is not the seller or supplier of the products and/or services which are featured on the

Apple Products page. Apple Product page is operated and managed by Bridge2 Solutions

to facilitate purchase of products from Apple South Asia Pte. Ltd by Citi customers.

• All purchases made at the Apple Products page will be subject to the Store Policies

reflected in the Citi ThankYou Apple Products page including terms and conditions

regarding the purchase, product warranties (if applicable), returns and refunds, shipping

and delivery. These Store Policies are available on the Apple Products page, which you

can access by clicking on Apple Products in the top menu of the Citi ThankYou homepage.

In these Store Policies, the reference to a Customer Service hotline is our Citiphone hotline

where Citi’s role in respect of any non-Rewards redemption or Card-related matters is

purely to direct You to the relevant party to assist with Your queries. Citi will not be

providing any form of technical assistance or after-sales service care.

• If You wish to pay for a product/service at the Apple Products page (“Transaction”), You

can choose to pay for the Transaction with your Points/Miles or a combination of

Points/Miles and Card payment (“Split pay”). For such Split pay Transactions, You can

only make payment with Your Card and not with other bank-issued credit cards.

• All payments by Card for Split pay Transactions will be billed by Bridge2solutions and will

appear on Your monthly card statement as “B2S*Apple Rewards”. Card transactions may

be subject to a Dynamic Currency Conversion fee as set out in the relevant cardmember’s

agreement applicable to Your Card.

• If You choose to pay for the Transaction with your Points/Miles, whether in whole or in

part, the amount of Points/Miles that was used for the redemption will be deducted from

Your Card Account’s available Points/Miles Balance.

• At checkout, the total number of Points/Miles displayed or communicated will reflect both

the cost of the Rewards in Points/Miles as well as any other costs or fees such as

administrative or transfer fees or shipping costs which is inclusive of duties and taxes.

• We may set a minimum Points/Miles redemption requirements for a Transaction which will

be determined by Citi at Our discretion.

• In the event that Your request for a refund of Your Transaction is successful in accordance

with the Store Policies reflected in the Citi ThankYou Apple Products page, your

Points/Miles and retail SGD amount (in the case of Split pay Transactions) will be credited

back to Your relevant Card Account. This may take up to 21 days subject to the Store

Policies reflected in the Citi ThankYou Apple Products page.

• Citi shall not be responsible for the quality, merchantability or the fitness for any purposes

of any products and/or services provided by third parties. Notwithstanding anything herein,

Citi shall not be responsible or held liable for any loss, injury, damage or harm suffered by

or in connection with the products and/or services provided by third parties.

• Apple is a trademark of Apple Inc.

• For full terms and conditions, please make sure you are logged in, and click here.

3. MERCHANDISE & VOUCHERS

3.1 Merchandise and Voucher Rewards

• The Merchandise and Voucher Rewards service is only available for the Citi ULTIMA, Citi

Prestige, Citi PremierMiles, Citi Rewards, Citi Platinum, Citi Clear Platinum, Citi Gold, Citi

Classic, Citi Clear Classic, Citi Clear, Citi Business and Citi Corporate Cards issued by

Us.

• This service is only available for Citi Lazada Cards in respect of redemptions for Rewards

Vouchers (defined below) only and not for redemptions for Merchandise (defined below).

• Rewards are either part of the Local Catalogue or Global Catalogue. Redemptions from

the Local Catalogue can be made via the Citi Rewards website or Citi Mobile® App. For

Redemptions from the Local Catalogue, a Citibank Rewards voucher in either physical or

electronic form (“Rewards Voucher”) will be sent to You for redemption from the merchant

in Singapore. The physical Rewards Voucher will be sent to your mailing address in

Citibank’s records while the electronic Rewards voucher will be disbursed via the Citi

Mobile® App and/or sent to your email in Citibank’s records. Redemptions from the Global

Catalogue can be made via the Citi Rewards website. For Redemptions of any products

and/or services from the Global Catalogue other than Travel Products (defined below)

provided by Travel Services (defined below) (“Merchandise”), Rewards may be shipped

from overseas to Singapore. Merchandise can only be shipped to your address in

Citibank’s records.

• At checkout, the total number of Points/Miles/Reward Points displayed or communicated

will reflect both the cost of the Rewards in Points/Miles/Reward Points as well as any other

costs or fees such as administrative or transfer fees or shipping costs which is inclusive

of duties and taxes unless the Merchandise is from the Global Catalogue and delivered

from overseas.

• Delivery of a Reward redeemed from the Merchandise Catalogue would at the minimum,

take 3 to 4 weeks from the date of Redemption. Delivery of physical Voucher Rewards

would at the minimum, take 7 Working Days, whilst delivery of electronic Voucher

Rewards would at the minimum, take 5 Working Days.

• If such Reward is not shipped from the merchant within 30 days, Your Redemption will be

cancelled and You will be refunded the cost of the Reward in Points/Miles/Reward Points

to Your Points/Miles/Reward Points Balance.

• If a Reward redeemed from the Merchandise Catalogue is damaged upon Your receipt of

it, You may return such Reward within 5 days of receipt and in the same condition as

received by calling CitiPhone who will redirect You to the relevant merchant who will be

able to assist You.

• USE OF REWARDS VOUCHER

o The 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 of the cardmember’s supplementary

cardmember.

o 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, unless stated otherwise

o Rewards Vouchers are only valid 3 months from date of issue, unless stated

otherwise. We are not obliged to extend the expiry and/or replace the expired

Rewards vouchers.

o To redeem a Reward using the Rewards Voucher, 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 Citi credit 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.

o Multiple Rewards Vouchers per visit may be used in the redemption of any one

Reward, unless otherwise stated. Where the use of more than one Rewards

Voucher is allowed, there may be a minimum purchase required per voucher used

as stipulated by the participating merchant.

o A Reward Voucher, which has been redeemed by the cardmember, is neither

refundable nor exchangeable for cash, Points/Miles/Reward Points or for another

Reward.

o However, under exceptional circumstances and at the cardmember's written

request, we 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.

o 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.

o All hotel stays redeemed under the Rewards Vouchers are subject to the hotel’s

terms and conditions including the availability of rooms. Reservations must be

guaranteed by a Citi 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.

o Cardmembers will be charged accordingly for any multiple redemption or multiple

usage of the same set of Citibank Rewards Vouchers.

4. CASH REWARDS

4.1 Charity Donations

• The Charity Donations service is only available for the Citi ULTIMA, Citi Prestige, Citi

PremierMiles, Citi Rewards, Citi Platinum, Citi Clear Platinum, Citi Gold, Citi Classic, Citi

Clear Classic, Citi Clear, Citi Business, Citi Corporate and Citi Lazada Cards issued by

Us.

• You may redeem Your Points/Miles/Reward Points, for charitable contributions to the

Participating Charities available at the Program website. The “Participating Charities” refer

to charities We determine in Our sole discretion and may be changed from time to time.

• Charitable contributions will be consolidated and processed on a semi-annual basis or at

such other time We determine. We will make a donation on behalf of You to the specified

Participating Charity

• Charitable contributions will not be eligible for tax relief purposes.

• A request to redeem Points/Miles/Reward Points for charitable contributions is final and

cannot be changed or cancelled.

4.2 Card Annual Fee Waiver

• You may redeem Your Points/Miles/Reward Points towards payment of the annual

membership for Your Card Account in which case, the equivalent amount of such

redeemed Points/Miles/Reward Points will be credited to your Card Account and will not

reduce Your Card Account outstanding balance (if any).

4.3 Cash Rebates

4.3.1 Definitions

For the purposes of this Program, the following words are defined as follows:

• “Account Terms and Conditions” are the terms and conditions and/or cardmember

agreement that govern your Card Account;

• “Cardholder, You, Your” refers to all principal/primary Cardholders of Citi Cards that is

active and in good credit standing;

• “Cash Back” means Cash Back Dollars earned on Citi Cash Back+ Cards;

• “Cash Rebate” refers to the statement credits credited to your Citi Card account;

• “Cash Rebate Program” refers to the Citibank Cash Rebate Program which includes “Cash

Rebate SMS” and “Cash Rebate Online”;

• “Citi Card” means the Citi ULTIMA, Citi Prestige, Citi PremierMiles, Citi Rewards, Citi

Platinum, Citi Clear Platinum, Citi Gold, Citi Classic, Citi Clear Classic, Citi Clear, Citi

Business, Citi Corporate, Citi Lazada, Citi SMRT, Citi M1 and Citi Cash Back+ Cards

issued by Us or such other cards that we may determine from time to time;

• “Citi, Citibank, We, Our, Us, Bank” means Citibank Singapore Limited;

• “Miles” means Citi Miles earned on Citi PremierMiles Cards;

• “Points” means the Citi ThankYou Points/ThankYou Points earned on the Citi ULTIMA,

Citi Prestige, Citi Rewards, Citi Platinum, Citi Clear Platinum, Citi Gold, Citi Classic, Citi

Clear Classic, Citi Clear, Citi Business and Citi Corporate Cards;

• “Rebates” means Citi M1 Rebates earned on Citi M1 Cards;

• “Reward Points” means Reward Points earned on Citi Lazada Cards;

• “Rewards” means either Cash Back, Miles, Points, Rebates, Reward Points or SMRT$,

where relevant;

• “SMRT$” means SMRT$ earned on Citi SMRT Cards.

4.3.2 Cash Rebate SMS

• The Cash Rebate SMS service is only available for the Citi ULTIMA, Citi Prestige, Citi

PremierMiles, Citi Rewards, Citi Platinum, Citi Clear Platinum, Citi Gold, Citi Classic, Citi

Clear Classic, Citi Clear, Citi Business, Citi Corporate, Citi Lazada, Citi SMRT and Citi

Cash Back+ Cards issued by Us (“Cash Rebate SMS Cards”).

• Cash Rebate SMS is a service that allows you to redeem your available Rewards where

you must send an SMS in the prescribed format via your mobile phone number that is

registered in our records to initiate the redemption.

• The Cash Rebate SMS redemption is subject to your internet and/or mobile phone service

provider ability to support the service, and the relevant terms and charges of such service

provider.

• You accept and acknowledge that any SMS received by you pertaining to your Rewards

balance enquiry may not be encrypted and may contain personal details and information

pertaining to your Cash Rebate SMS Card accounts, and Citibank shall not be responsible

or liable to you for any possible release, loss or interception of such personal details and/or

information.

• Citibank neither guarantees the delivery, accuracy, security, nor confidentiality of the

contents of any SMS sent by Citibank to you. You must promptly update Citibank of any

change to your mobile phone number. Citibank shall not be liable to you or anyone else

for any losses or damages arising from the Service, including but not limited to, (a) non-

delivery, delayed delivery, wrong delivery or partial delivery of any SMS; (b) inaccurate

contents of any SMS; or (c) unauthorized access to the contents of any SMS by anyone.

• You are required to state the amount of Rewards that you would like to redeem by

indicating the keyword for the respective Cash Rebate denominations. In the event that

the existing Rewards in the Cash Rebate SMS Card account which are available for

redemption is less than the Rewards required to redeem the Cash Rebate requested, you

will receive a rejection SMS and the redemption will not go through.

• Only the Rewards accumulated on the Cash Rebate SMS Card that was used for the SMS

redemption can be redeemed. Rewards from different Cash Rebate SMS Cards cannot

be accumulated for redemption. Rewards accumulated on supplementary Cash Rebate

SMS Cards can only be redeemed by the principal/main Cardholder.

For terms & conditions applicable to Cash Rebate redemptions on the Citi SMRT Card,

please refer to https://www.citibank.com.sg/global_docs/pdf/citi-smrt-rewards-program-

tncs.pdf.

• To use the Cash Rebate SMS service to redeem the Cash Rebate:

o Cardholders can redeem their Points/Reward Points for a Cash Rebate via SMS

by sending the following to 72484:

“RWDS <space> Last 4 digits of the Citi Card number <space> <Keyword>”

Redemption Amount

Keyword

$10 Cash Rebate

CASH10

$20 Cash Rebate

CASH20

$50 Cash Rebate

CASH50

o Cardholders can redeem their Miles for a Cash Rebate via SMS by sending the

following to 72484:

“RWDS <space> Last 4 digits of the Citi Card number <space> <Keyword>”

Redemption Amount

Keyword

$10 Cash Rebate

PMCASH10

$20 Cash Rebate

PMCASH20

$50 Cash Rebate

PMCASH50

o Cardholders can redeem their Cash Back on Citi Cash Back+ Card for a Cash

Rebate via SMS by sending the following to 72484:

“RWDS <space> Last 4 digits of the Citi Card number <space> <Keyword>”

Redemption Amount

Points

Keyword

$10 Cash Rebate

$10 Cash Back

CSHBK10

$20 Cash Rebate

$20 Cash Back

CSHBK20

$50 Cash Rebate

$50 Cash Back

CSHBK50

4.3.3 Cash Rebate Online

• The Cash Rebate Online service is only available for the Citi ULTIMA, Citi Prestige, Citi

PremierMiles, Citi Rewards, Citi Platinum, Citi Clear Platinum, Citi Gold, Citi Classic, Citi

Clear Classic, Citi Clear, Citi Business, Citi Corporate, Citi Lazada Cards, Citi SMRT, Citi

M1 and Citi Cash Back+ issued by Us (“Cash Rebate Online Cards”).

• The Cash Rebate Online service allows you to redeem your available Rewards via

Citibank Online or Citi Mobile® App for statement credits to your Cash Rebate Online Card

account.

• To make use of the Cash Rebate Online service, you must be enrolled for Citibank Online

or Citi Mobile® App.

4.3.4 Terms Generally Applicable to Citibank Cash Rebate Program

Terms Generally applicable to Citibank Cash Rebate Program

• If the Rewards redemption is successful, the amount of Rewards required for the

redemption will be deducted from your Citi Card account’s Available Rewards Balance.

Your relevant Citi Card account will be credited accordingly within 3-5 working days of

redemption. Please note that where such successful redemption is within 3-5 working days

prior to the date of issuance of your statement for the relevant Citi Card account, such

credit to your relevant Citi Card account will only be reflected in your statement of account

for the following month. Accordingly, you will have to continue to make payment of the

amounts as stated in your statement of account.

• Once the redemption request has been submitted, you cannot reverse, cancel or change

the redemption and the Rewards used in the redemption cannot be transferred back to

your Available Rewards Balance subject to the right of the Bank to reverse or cancel the

Rewards redemption at its discretion exercised reasonably (including where that there has

been a wrongful crediting of Rewards to your relevant Citi Card account or where the

redemption has been approved or processed in error).

• Rewards redeemed and statement credits credited to your Citi Card account is not

considered a payment to your Citi Card account, cannot be encashed and cannot be used

to offset the minimum amount due, total amount due or any amount in between that is due

on your Citi Card account statement. You are required to settle at least the minimum

amount due to avoid late charges from being billed to your Citi Card account.

• Citibank shall not be responsible for your costs incurred in connection with the Cash

Rebate Program. In particular, you agree that you shall bear any costs of mobile data or

SMS costs incurred when you send SMSes to Us or when you receive SMSes from Us in

connection with the Cash Rebate Program.

• Citibank reserves the right to charge a fee for using the Cash Rebate Program provided

that such fees will be disclosed on the relevant Cash Rebate Program channels where

applicable.

• Citibank reserves the right to charge a fee for using the Cash Rebate Program provided

that such fees will be disclosed on the relevant Cash Rebate Program channels where

applicable.

• Citibank may set minimum and/or maximum Rewards, partial or full redemption

requirements for the Cash Rebate Program at any time at our reasonable discretion.

• Citibank has the right to change the Rewards to Singapore Dollar conversion rates under

the Cash Rebate Program at any time at our reasonable discretion.

• The Cash Rebate Program may be modified or terminated at any time at our reasonable

discretion.

• Additional Citi ThankYou

Rewards terms and conditions apply and are available at

citibank.com.sg/thankyou

5. POINTS TRANSFER

5.1 Points Transfer and Instant Points Transfer

• The Points Transfer and Instant Points Transfer service is only available for the Citi

ULTIMA, Citi Prestige, Citi PremierMiles, Citi Rewards, Citi Platinum, Citi Clear Platinum,

Citi Gold, Citi Classic, Citi Clear Classic, Citi Clear, Citi Business, Citi Corporate and Citi

Lazada Cards issued by Us.

• You can make a Points Transfer or Instant Points Transfer request if Your Card is eligible

for and, You accept these Terms & Conditions before completing the Points Transfer or

Instant Points Transfer. We reserve the right to determine which Card(s) (if any) is/are

eligible for this service.

5.2 Points Transfer

• In order to transfer Your Points/Miles/Reward Points to a Points Transfer Participating

Loyalty Program:

o You must have a valid membership account with the Participating Loyalty Program;

o Your first and last names on both the Program and the Participating Loyalty

Program membership account must match;

o Such transfer must result in an exchange of Points/Miles/Reward Points in blocks

of 10,000 points or miles issued under the relevant Participating Loyalty Program.

5.3 Instant Points Transfer

• If you are transferring Your Points/Miles/Reward Points to an Instant Points Transfer

Participating Loyalty Program directly on an Instant Points Transfer Participating Loyalty

Program’s website/mobile application/portal:

o You must enroll for this service via the self-registration process on the relevant

Instant Points Transfer Participating Loyalty Program’s website/mobile

application/portal (as the case may be) and only on Your Instant Points Transfer

Participating Loyalty Program membership account registered in Your name, as

further explained below. In connection with Your enrollment, You will be required

to perform such verification as required by us, including providing Your Cardholder

details, Your Citibank Online login credentials and Your One-Time Password

(“OTP”), which should not be shared with others to prevent unauthorized

enrollment and redemption on your Card. You authorize and agree that Citi will

provide the relevant Instant Points Transfer Participating Loyalty Program with

information on Your Cards (including Your list of eligible Citi Cards and their last 4

digits and Your Points/Miles/Reward Points balances) upon successful CASH

REBATES POINTS TRANSFER AND INSTANT POINTS TRANSFER enrollment.

Without prejudice to the generality of the foregoing, You acknowledge and agree

to the following:

o (For Instant Points Transfer to BIG points) During the self-registration process, You

will need to enter Your Cardholder details and Your Citi registered mobile number

on BIG Rewards mobile application owned by Biglife Sdn Bhd (“BIG”) and You will

be prompted to key in Your OTP for verification. Thereafter, Your

Points/Miles/Reward Points balance for Your selected eligible Card that You have

enrolled will be disclosed to BIG and Your selected eligible Card will be linked to

Your BIG account. You will only be required to enroll once per eligible Card and

Your enrolled eligible Card will continue to be enrolled unless You have de-enrolled

such eligible Card. Please note that if You wish to select another eligible Card or

if You have de-enrolled, You will need to perform a fresh enrollment in order to

enjoy the service;

o (For Instant Points Transfer to KrisPay miles) During the self-registration process,

You will be redirected to Citibank website from the Kris+ mobile application owned

by Singapore Airlines Limited (“Singapore Airlines”) in which You will be required

to key in Your Citibank Online login credentials and You will be prompted to key in

Your OTP for verification. Thereafter, Your Points/Miles/Reward Points balances

in respect of all Your eligible Cards will be disclosed to Singapore Airlines and

linked to Your KrisPay account. Please note that the enrollment is temporary for

the session and You will need to perform a fresh enrollment in order to enjoy the

service; or

o (For Instant Points Transfers to GrabRewards points) During the self-registration

process, You will need to enter Your Cardholder details and Your Citi registered

mobile number on the Grab mobile application owned by GPay Network (S) Pte

Ltd (“Grab”) and You will be prompted to key in Your OTP for verification.

Thereafter, Your Points/Miles/Reward Points balance for Your selected eligible

Card that You have enrolled will be disclosed to Grab and Your selected eligible

Card will be linked to Your Grab account. You will only be required to enroll once

per eligible Card and Your enrolled eligible Card will continue to be enrolled unless

You have de-enrolled such eligible Card. Please note that if You wish to select

another eligible Card or if You have de-enrolled, You will need to perform a fresh

enrollment in order to enjoy the service;

o Your use of the website/mobile application/portal of any Instant Points Transfer

Participating Loyalty Program is at your own risk. Citibank will not be responsible

for any losses caused to you due to any delay or error in the website/mobile

application or portal of any Instant Points Transfer Participating Loyalty Program.

5.4 General

• Upon completion of a Points Transfer or Instant Points Transfer Redemption, the

transferred Points/Miles/Reward Points will immediately be deducted from Your

Points/Miles/Reward Points Balance.

• Points/Miles/Reward Points redeemed in a Points Transfer or Instant Points Transfer

Redemption will be credited to Your membership account with the Participating Loyalty

Program within 14 working days or such other period indicated. We may notify You upon

completion of the Points Transfer or Instant Points Transfer.

• An administrative fee of SGD27.25 (inclusive of GST) will be charged for each Points

Transfer. This Fee is waived for Points Transfer from a Citi ULTIMA Card.

Please note that the billing of the administrative fee may be split up into separate charges

under the description of “ and “GST on Miles Transfer Fee” and may be billed in different

statements of account.

Please note that the charging of the administrative fee based on the applicable date will

be at the point of that the Points Transfer request, which is generally 2-3 business days

after the Points Transfer request is made (ie. if the Points Transfer request is made on 31

December 2023, the administrative fee will be processed on or around 3 January 2024

and the administrative fee will be SGD27.25 (inclusive of GST)).

• Redemptions are final and cannot be changed or cancelled or returned, subject to the right

of the Bank to reverse or cancel the Points/Miles/Reward Points redemption at its

discretion exercised reasonably (including where that there has been a wrongful crediting

of Points/Miles/Reward Points to your relevant Citi Card account or where the redemption

has been approved or processed in error).

• Citibank may change the terms including the Participating Loyalty Programs, regulations,

policies, benefits, conditions of participation or mileage levels (if applicable), in whole or

in part at any time and You shall be bound by such variations, modifications and

amendments upon publication on www.citibank.com.sg.

• Citibank is not responsible for, or affiliated with, any Participating Loyalty Programs and is

not responsible for, the actions or products and/or services of any participating partners

under the Participating Loyalty Programs.

• The Points/Miles/Reward Points exchanged and credited to Your membership account

with the Participating Loyalty Program are subject to the terms and conditions of the

Participating Loyalty Program.

• If you request for a Points Transfer or Instant Points Transfer, You agree that Citibank is

authorized to disclose your information to the Participating Loyalty Program and their

agents.

• For enhanced security reasons, Citibank may require You to perform additional verification

in connection with the Instant Points Transfer process.

Effective 16 Jan 2024