General & IT.fh11

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1 Citibank Citibank Credit Card Guide Book Contents Citibank Important Hints When Using Your Citibank Credit Card P1 - P3 Benefits and Services P4 - P8 Citibank Online Citibank Online Personal Help Beyond Your Expectations 24 Citibank 24-Hour CitiPhone Banking Supplementary Cards Financial Flexibility Lost Card Protection Citibank Rewards Program Shopping Benefits Citibank Citibank World Privileges Interest Free Installment Plan Sample of Your Monthly Statement Convenient Payment Options P9 - P10 Citibank Online / Citigold Online / Citibank / 24 Citibank Citibank Online / Citigold Online / Citibank ATMs / 24-Hour CitiPhone Banking JET Payment Payment by Phone or Internet Service FlexiAutopay Check or Cash Citibank I.T VISA Card P11 - P12 Exclusive Benefits and Services Fashion Instincts Living Pleasures Rewards Program Allure I.T I.T & its affiliated shops Hour International Toll-Free Directory I.T I.T Rewards Program

2 Citibank Citibank Credit Card Citibank Important Hints When Using Your Citibank Credit Card Citibank Citibank 3 When you receive your card... Sign on the back of the card immediately for your protection When you make purchases with your card, check that the sales slip has the following... Your name correctly imprinted The right amount charged Tips (if applicable) and total amount included Clearly marked currency sign (Please refer page 3 for sales slip details) Make sure You never sign a blank sales slip You always receive your copy of the sales slip and keep it for your record The card returned to you is yours You should safeguard your personal information. Whenever you are requested to provide your personal information, please ensure if there is a genuine need and that the requesting source is reliable Do not use a shared computer or a device that cannot be trusted for online banking, such as an Internet Cafe computer Check your accounts on a regular basis and contact us immediately should you encounter any difficulties or irregularities You should not leave an ATM until you get your cash and your credit card back 1

3 Citibank ( ) Citibank Online ( 24 Citibank * 24 Citibank * Important Notice How to keep your PIN (Personal Identification Number): Destroy the original printed copy of the PIN after memorizing it Do not allow anyone to use your card and your PIN Never write down the PIN on your card or on anything usually kept with or near it Do not write down or record the PIN without disguising it Avoid easily accessible personal numbers, such as your residential telephone number, I.D. card number or your birthday. For security reasons, it is advisable to change your PIN every one to three months. You may visit any one of the Citibank ATMs to choose or change your PI Ensure that no one is watching you while you key in your PIN Citibank or the Police will NEVER request your PIN via or telephone. You are ONLY required to key in your PIN when you proactively access Citibank Online at 24-Hour CitiPhone Banking Hotline* or an ATM If your PIN is lost or known by another person, please immediately call our 24-Hour CitiPhone Banking Hotline* to report the case How to minimize unauthorized access and use of your credit card information Promptly update any change in personal details with the bank to prevent your credit card information from being sent to the wrong address and prevent them from falling into the wrong hands Participating service establishments may carry out Card Centre-required security practices each time you use your Card. You may sometimes be asked to verify your identity or confirm your transaction / purchase. This simple phone check protects your account against fraud Citibank Citibank 24 Citibank * 24 Citibank * What to do in case of loss, theft and card captured at ATM Your liability for a lost, stolen or ATM captured Card ceases immediately if you have exercised reasonable care in safeguarding your Credit Card and if you notify us as soon as reasonably practicable, through our 24-Hour CitiPhone Banking Hotline*. If you have revealed your PIN to another person which leads to transactions by others, you remain liable for the PIN related transactions If you want to report the case, please immediately call our 24-Hour CitiPhone Banking Hotline* 2

4 Name of service establishment you have visited Show the correct total amount in local currency Citibank Sign your name here exactly as it appears on the back of your Citibank Credit Card * 24 For any enquiry, please feel free to call the following 24-Hour Hotlines Citibank CitiPhone Banking Hotline Citibank Citibank Platinum Card Hotline Citibank Citigold Citibank Platinum Card Hotline (Citigold only) CitiBusiness CitiBusiness Hotline

5 Citibank Citibank Credit Card Benefits and Services Citibank Online Citibank Online Online Citibank Onlinewww.citibank.com.hk Citibank Online Personal Help Beyond Your Expectations Manage your finance and enjoy various personalized financial services with ease by accessing Citibank Online. It s free with no registration required. Simply access our web site choose Log In and at secured logon, enter your credit card number and ATM PIN. With Citibank Online, you can enjoy the following services: 1. View and download your credit card account information 2. View your credit card e-statement 3. Redeem gifts 4. View interest rates and foreign exchange rates 5. Update your personal contact information 6. Open savings, checking, or Currency Manager accounts etc. Besides the above services, Citibank Online will keep on providing more comprehensive services in the future. For details, please visit 4

6 24 Citibank 24-Hour CitiPhone Banking HOUR CITIPHONE BANKING USER GUIDE 1 Banking Service 2 Credit Card Service 1 Cantonese 2 English 3 Putonghua For Enquiries WITH Valid Telephone Personal Identification Number (For Telephone PIN setup and enquiries, please contact our CitiPhone Officer) 1 * Balance Inquiry, Payment & Account Related Services Statement Balance, Payment Status & Available Credit Limit Bill Payment & Change of Autopay Instruction Statement Request & Transaction History Enquiry Change Language Preference of Marketing Materials Change Telephone PIN Note: You may request your last 2 statements after enquiring your last statement balance or outstanding balance. Enter Personalized Menu For Enquiries WITHOUT Telephone Personal Identification Number 2 3 Card Activation & Application Related Inquiry Rewards Related Inquiry & Redemption 1 Citibank Rewards Program Card Activation Application Status Inquiry Application Criteria Application Form Request Annual Fee Offer & Renewal Inquiry Diners Club Rewards Program I.T I.T Rewards Program Shell Citibank / Shell Shell Citibank Platinum Card or Shell Personal Card Cash Back Card Rewards Program CitiBusiness CitiBusiness Rewards Program Please note: 4 Call-Fax Services, Payment Methods, Service Fees, Transfer to Fraud & Other Benefits Inquiry 8 Speak to CitiPhone Officer * Correct an Entry 5 Report Loss / Stolen Card 9 0 Repeat Service Options To End Service # Confirm Entry of Payment or Transfer Amounts 6 CitiBusiness Banking Service, Personal Assistant Service, CitiBusiness Travel Service & Citibank Platinum Card Private Club Booking 7 Marketing Information # 16Citibank Citibank * # VISA * Citibank VISAVISA Citibank I.T VISA Citibank VISA Citibank VISA Shell Supplementary Cards # Share the exclusive privileges and security of your Citibank Credit Card with everyone you care for, including your spouse, parents, children, brothers and sisters. What s more, you can enjoy permanent annual fee waiver for the supplementary cards*. Each supplementary cardholder (aged over 16 years) shares the same account number and credit limit as you. To apply, simply complete and return the application form, with the copy of each supplementary card applicant's HKID. # Supplementary Cards are not applicable to Student VISA Card * Citibank Silver VISA Card, Cash Back VISA Card, Citibank I.T VISA Card, Citibank Hospital Authority Silver and Citibank AXA Silver Credit Cardholder can enjoy permanent annual fee wavier for the first supplementary card Citibank Gold VISA Card, Citibank Hospital Authority Gold and Citibank AXA Gold Credit Cardholder can enjoy permanent annual fee wavier for the first two supplementary cards Citibank Platinum VISA Card and Shell Platinum Cardholder can enjoy permanent annual fee wavier for the first three supplementary cards 5

7 i. ii. 15Citibank iii. * Citibank VISA/MasterCard ** Citibank 370,000 VISA/PLUS 24 Citibank * Citibank VISA MasterCard Citibank Citibank VISA Citibank Ultima Card Citibank Citibank VISA Shell Citibank ** Citibank VISA/MasterCard HK$40,000 Financial Flexibility i. Flexible Repayment Options You are not required to pay your account in full. Each month you can pay any amount between the established minimum monthly payment and the entire balance, so that you will have more flexibility to manage your finance. If you pay less than the full balance, a finance charge calculated on a daily basis at the rate as stipulated in the card mailer along with the new Card or notified by Citibank to the Cardholder from time to time as its discretion will be levied to your account. ii. Repayment Period You normally have a minimum of Statement Date plus 15 days to make payment on your Citibank Credit Card account, notwithstanding payment can be made at any time on or before the Payment Due Date. If the Payment Due Date is not on a business day (a day other than Saturday, Sunday or public holiday on which banks are open for general business in Hong Kong), the exact Payment Due Date will be set on the previous working day. iii. Worldwide Cash Advances * You will be provided with a Personal Identification Number (PIN) within seven days of receiving your Citibank VISA/MasterCard. With your PIN, you can use your Citibank VISA/MasterCard to obtain cash up to your Cash Advance Limit** at these locations: All Citibank branches and ATMs in Hong Kong. Nearly 370,000 ATMs around the world, including JETCO, VISA/PLUS etc. That s more than any other credit cards just look for the following symbols: In the event that you forget or misplace your PIN, please call us immediately on 24-Hour CitiPhone Banking on We ll be happy to send the old PIN to you or issue you a new one. * A fee will be charged to the account for this service. Please refer to the Citibank VISA and MasterCard Agreement, Citibank Private Label Card Agreement, Citibank Cash Back VISA Card Agreement, Citibank Ultima Card Agreement, Citibank Renminbi Credit Card Agreement, Citibank Cathay Pacific VISA Agreement and Shell Citibank Platinum Card Agreement for details. ** The daily draw limit on the Citibank VISA/MasterCard is HK$40,000 (Subject to the daily Cash Advance Limit of different ATMs). i. Citibank 24 Citibank * * Citibank VISA MasterCard Citibank Citibank VISA Citibank Ultima Card Citibank Citibank VISA Shell Citibank Citibank VISA Shell Shell ii. Citibank 24 Citibank Citibank Citibank VISA/MasterCard 24 Lost Card Protection i. Total Lost Card Protection If your card is lost or stolen, report it immediately to the police and to us by calling the 24-Hour CitiPhone Banking on You will be protected from total liability*. ii. * Exclude cash advance transactions. For details, please refer to the Citibank VISA and MasterCard Agreement, Citibank Private Label Card Agreement, Citibank Cash Back VISA Card Agreement, Citibank Ultima Card Agreement, Citibank Renminbi Credit Card Agreement, Citibank Cathay Pacific VISA Agreement, Shell Citibank Platinum Card Agreement, Citibank VISA Cardholder Agreement, Shell Personal Card (With Revolving Credit Line) Agreement and Shell Personal Card (With No Revolving Credit Line) Agreement. Worldwide Emergency Card Replacement Service To report your card as lost or stolen in Hong Kong, call the 24-Hour CitiPhone Banking on any day of the year. A new card will be issued to you by Citibank (Hong Kong) Limited, once you have notified us of this loss or theft. When you are overseas and wish to speak directly to our CitiPhone Officers in Hong Kong, you can call the 24-Hour CitiPhone Banking toll-free from over 40 countries around the world at any time of the day. You can also request an emergency replacement from the nearest VISA/MasterCard Emergency Card Replacement Center to receive your replacement card in 2 business days. Remark: For details, please refer to the 24-Hour International Emergency Directory. 6

8 HK$1 1 * Citibank VISA/MasterCard 24 Citibank Citibank24 Citibank * Citibank Citibank CitiGold Citibank Ultima CitiGold Ultima Citibank Citibank CitibankCitibank VISA Citibank Citibank Rewards Program For each HK dollar you spend on your Citibank VISA/MasterCard, you get one Citibank Rewards Point. You can redeem your Citibank Rewards Points for a host of fabulous gift items, cash coupons or frequent flyer mileage*. You can transfer points among related cards for faster redemption. For inquiries on Citibank Rewards Program, please visit or call our 24-Hour CitiPhone Banking at Your Citibank Rewards Points are clearly shown on your monthly statment. When you're ready, you can simply redeem via Citibank Online, 24-Hour CitiPhone Banking , by fax at or by mail. * CITIBANK REWARDS Program ("Citibank Rewards") is applicable to Citibank Classic, Gold, Platinum, CitiGold-embossed Platinum, Ultima or CitiGold-embossed Ultima Cards, Citibank Renminbi Credit Card, Citibank AXA Credit Card and Citibank Hospital Authority Credit Card issued by Citibank (Hong Kong) Limited. Cardholders of Citibank Cash Back VISA Card, Citibusiness Card or other Cobrand Cards are not eligible for the Citibank Rewards. All redemptions are subject to the Terms and Conditions stated in the Citibank Rewards Program. i. Citibank200 Citibank 24 Citibank ii. VISA/MasterCard Shopping Benefits i. Worldwide Acceptance You and your Citibank Credit Cards are welcomed in over 10 million establishments in around 200 countries. ii. If your Citibank Credit Card is not readily accepted at any VISA establishment and you are asked to use an alternative method of payment, or to pay an additional fee if you use your Citibank Credit Card, please inform us by calling the 24-Hour CitiPhone Banking on Transactions Made Outside Hong Kong Transactions which are made in currencies other than Hong Kong dollars are converted from the transaction currency into Hong Kong dollars at a wholesale market rate selected by VISA/MasterCard from a range of wholesale market rates on the conversion day. Citibank / 24 Citibank Citibank World Privileges A world-class global privilege program that gives you access to local and overseas privileges, discounts and personal services, including: Hotel Privileges at first-rate hotel groups Global Shopping / Dining Privileges and Discounts For details, please visit or call the 24-Hour CitiPhone Banking on Citibank Interest Free Installment Plan Citibank Credit Card offers you and your supplementary cardholders the extra convenience of interest-free installments and repayment terms of up to 24-months at over 450 leading merchants in Hong Kong. 7

9 Sample of Your Monthly Statement The date by which your payment must be made to avoid late charges The balance arrived at after transactions of the month are recorded A list of your card activity Use these toward Citibank Rewards items Minimum payment you are required to make 8

10 Citibank Citibank Credit Card Convenient Payment Options Citibank Citibank offers a wide array of easy and convenient credit card payment methods for your choice so that you can handle your finance at ease. Citibank Online / Citigold Online / Citibank / 24 Citibank Citibanking Citigold Citibank Online Citigold Online 24 Citibank Citibank Online / Citigold Online / Citibank ATMs / 24-Hour CitiPhone Banking If you are a Citibanking or Citigold Customer, you can transfer funds from your account to settle payments through Citibank Online, Citigold Online, Citibank ATMs and 24-Hour CitiPhone Banking on Citibank JET Payment You can access your bank account via JETCO ATMs in Hong Kong that bear JET Payment logo to settle your Citibank Credit Card payment anytime, anywhere. VISA/MasterCard Citibank VISA/MasterCard Payment by Phone or Internet Service Payment by Phone Service (PPS) or Internet Service allows you to settle your Citibank Credit Card account by transferring funds from any designated bank account in Hong Kong using a tone phone or at anywhere, anytime, free of charge. Simply open a PPS account through a PPS Terminal with your ATM card. Then, you can register, and pay into your Citibank Credit Card account. Citibank Citibank Online ( Citigold Online ( ( ) FlexiAutopay FlexiAutopay saves your time and eliminates the risk of missing your payment due date. To use this convenient service, all you need is a Hong Kong Dollar savings or current account with any bank in Hong Kong. To enroll for the service, simply log onto Citibank Online ( or Citigold Online ( or complete the FlexiAutopay Authorization Form and return it to Citibank (Hong Kong) Limited. 9

11 1. Citibank Citibank 24 * Citibank VISA MasterCard 2. Citibank Citibank 3. ( ) Check or Cash i. Citibank ATMs Now, you can also settle your card payment by check or cash* at our 24-Hour Citibank ATMs. ii. * If you choose to settle your card payment by cash, there will be a handling fee per transaction. For details, please refer to the Citibank VISA and MasterCard Agreement. Citibank Branch "Drop Box" Simply seal your check and payment slip in an envelope, and drop them into the clearly marked "Drop Box" in any of our branches. iii. Payment by Mail Simply mail your check and payment slip to Citibank (Hong Kong) Limited, G.P.O Box 8776, Hong Kong at least 5 working days before the payment due date. Remarks: 1. For cut-off times of the above payment options, please refer to the enclosed "FlexiAutopay Authorization Form". 2. Checks should be made payable to "Citibank (Hong Kong) Limited" with your credit card account number. 10

12 Citibank I.T VISA Card Exclusive Benefits and Services I.T 9 ++ pre-sale I.T ++ Fashion Instincts Exclusive year-round 10% discount at I.T and its affiliated shops in Hong Kong and China ++ Invitation to pre-sale and special promotions Invitation to I.T Fashion Shows Birthday Surprises ++ Nett transaction amount after discount will be rounded up to the nearest dollar 80 Living Pleasures Enjoy year-round privileges at over 80 merchants including dining, beauty, hair styling etc. I.T I.T Rewards Program Allure Use the least rewards points to redeem I.T and selected labels' coupons Evergreen reward points Double rewards points for spending in I.T and its affiliated shops during designated sales period Exclusive lifestyle offers introduced regularly for redemption & its affiliated shops For shop address, please visit 11

13 Citibank (IAC) (011) Hour International Toll-Free Directory Lost or Stolen Card Reporting & Emergency Card Replacement Service When you are in the following countries, just make one simple toll-free phone call to get in touch instantly with our CitiPhone Officers at CitiPhone Banking in Hong Kong at Australia Belgium Canada Denmark Finland France Germany Ireland Israel Japan Korea Malaysia New Zealand Norway Singapore Sweden Switzland Taiwan Thailand United Kingdom USA Simply dial: International Access Code of Country (IAC) plus For example, when you are in Canada, just dial (011) If you are in other countries, please dial the following numbers to talk to our CitiPhone Officers. Bahamas Barbados Brazil Chile Colombia Cyprus Dom. Republic Greece Guam Hungary Indonesia Italy Jamaica Luxembourg Macau Mexico Netherlands Neth. Antilles Philippines Puerto Rico St. Thomas Trin. & Tobago Turkey Uruguay I.T I.T Citibank I.T VISA Card HK$1 I.T 1 Citibank I.T VISA Card I.T I.T Rewards Program As a Citibank I.T VISA Cardholder with a passion for fashion, you can now earn one I.T Point with every HK$1 you spend with your Citibank I.T VISA Card. Save these points up to redeem a wide variety of rewards ranging from fashion, hair, make-up and AV products, to dining, entertainment and even travel. Your I.T Points will never expire, so you can redeem them whenever you want. As an exclusive offer from Citibank I.T VISA Card, you can redeem cash coupons for I.T and its selected labels with the least I.T points! 12

General & AXA.fh11

General & AXA.fh11 Citibank Citibank Credit Card Guide Book Contents Citibank Important Hints When Using Your Citibank Credit Card P1 - P3 Benefits and Services P4 - P8 Citibank Online Citibank Online Personal Help Beyond