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[HK] Citibank Credit Card [19 July 2022 - 31 July 2022] MoneySmart x Citibank
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MoneySmart x Citibank (Hong Kong) Credit Card Sign Up Promotion

Terms & Conditions

Contents

Last updated: 5/7/2022

Eligibility        2

Citibank (Hong Kong) Credit Cards        2

Gift        4

General        6

Contact Us Information        7

MoneySmart Policy and Terms of Use        7

活動條款        8

花旗銀行（香港）信用卡        8

獎賞        9

一般事項        11

聯絡我們        11

MoneySmart 政策和使用條款        12

Eligibility 

For the purpose of this Promotion:

  1. The “Qualifying Period” will be from 19th July 2022 to 31th July 2022.

  1. All applications applied before and/or after the specified Qualifying Period, or submitted through any means other than MoneySmart, will not be eligible for this Promotion. Any correspondence on missing and/or delayed submissions shall not be entertained.

  1. This promotion (“Promotion”) is conducted by MoneySmart Hong Kong Pte Ltd and is open to all residents of Hong Kong.
  2. Applicants understand and accept that the gift is provided by MoneySmart, Citibank (Hong Kong) does not have any liability on the gift fulfillment

  1. Each “Successful Application” will receive the MoneySmart Exclusive Gift, based on the pre-selected gifts (refer to Table 1) and status:

  1. Citibank (Hong Kong) Credit Cards

“Eligible New Customers” refers to applicants who meet the following conditions:

  1. Is a New-To-Bank Cardholder, with no existing Citibank (Hong Kong) Credit Card account* (as main cardmember) at the time when his/her successful application submission via MoneySmart is approved by Citibank (Hong Kong) for any Eligible Citibank (Hong Kong) Product under this Promotion; and
  2. has not previously cancelled any Citibank (Hong Kong) in the last twelve (12) months immediately prior to his/her application for the Eligible Card and prior to the commencement of the Application Period.

“Existing Customers” refers to applicants who meet the following conditions:

  1. has an existing Citibank (Hong Kong) Credit Card account at the time his/her application for any Eligible Citibank (Hong Kong) Product under this Promotion is approved; and
  2. previously have a Citibank (Hong Kong) Credit Card account that was terminated/closed (whether by the individual or by Citibank (Hong Kong)) in the last twelve (12) months immediately prior to the commencement of the Application Period;
  3. “Existing customers” are not eligible for this promotion.

*For clarity, an existing Citibank (Hong Kong) Credit Card account includes an application to upgrade any existing Citibank (Hong Kong) Credit Card as well as an application for any Citibank (Hong Kong) Credit Card that has been approved by Citibank (Hong Kong) Bank even if the physical Citibank (Hong Kong) Credit Card has not been received by the customer and/or has not been activated or utilized by the customer.

  1. An “Eligible New Customer” must follow all the steps listed below in order to have a “Successful Application”:
  1. Complete and submit an application for an Eligible Credit Card on the promotion website https://www.moneysmart.hk/ (“Promotion Website”) as a main cardholder during the Qualifying Period.
  2. Customers must disable any Ad Blocker extension on their browser, clear the cookies in their browser and complete the application as soon as possible.

Table 1: Eligible Credit Cards

Card Provider

Eligible Credit Cards

Gift

Citibank (Hong Kong)

  • Citi Cash Back Credit Card
  • Citi Prestige Credit Card
  • Citi PremierMiles Credit Card
  • Citi Rewards Mastercard
  • Citi Rewards Unionpay Card
  • Citi Octopus Platinum Card
  • Citi The Club Card
  • Citi HKTV Mall Card
  • HK$1,600 759 store e-voucher or
  • HK$1,600 Apple Gift Card or
  • Harman Kardon Aura Studio 3 Wireless Bluetooth Speaker  (Value: HK$1,999)

  1. Complete the MoneySmart Redemption Form here and ensure that they submit their (1) Contact Details and (2) a valid Unique Reference Number (URN)
  1. Claim for the reward must be submitted.
  2. Applicants who do not complete the Claim Form fully, and accurately will not be eligible for the Gift.
  3. Applicants may submit more than one Claim Form for the same application, and the latest submission taken as final. No further changes to the details in the Claim Form will be entertained after the final entry is received.
  4. The Gift amount and Gift type are based on the promotional period of the card you have applied for. Please ensure that the Gift you have selected is the Gift that you qualify for, should you be eligible. We reserve the right to make changes at our absolute discretion. View Table 1 for more details.

  1. Have their Eligible Credit Card (Table 1) application approved by the respective Card Provider
  1. The approval must be final and unconditional.
  2. Cards should be approved on or before 31 Aug 2022
  3. “Eligible New Customers” have to submit their claim form, (must complete the financial profile first) before 30th Sep 2022 23:59 (GMT +8)
  4. Customer name in claim form submission must be identical to the cardholder name.  
  5. Customer’s email address in claim form submission must be identical to the cardholder’s email address in the credit card application form.
  6. Any person who practises or is concerned in any fraudulent act or contrivance in the application process, with intent to defraud MoneySmart, MoneySmart HK reserves all right of legal investigation.
  7. State Spent active requirement with accumulated HK$300 transaction within 30 days of card issuance.
  8. All clauses within the terms and conditions stated by the bank will hold and are binding for this campaign without doubt or dispute.

  1. A “Successful Application” is defined as an application as the principal cardholder for the Eligible Credit Card made during the Qualifying Period via the MoneySmart website.
  2. [Referral Program] After applying for the card, the referrer could get extra $300 supermarket vouchers by referring each relatives and friends to apply as well.

  1. Each referrer may only get the reward if you and your referee have fulfilled the following requirements:

i) Completed card application and submitted rewards claim form on or before 18 Sep 2022

ii) Must perform accumulated transactions of HK$300 within 30 days of card issuance.

    iii)Referee must fill in the referrer’s registered email for approval; Otherwise, both the referrer and referee will lose their eligibility for the rewards.

  1. For the purpose of verification, the application reference numbers submitted on the claim form will be passed to the Credit Card Provider to validate if the application has been made via the link stated in Clause 5(a).

  1. Determination of the source of application is done via Credit Card Providers using the application URN number and at their full discretion.

  1. In the event of any dispute on the attribution of application source, MoneySmart reserves the right to defer to Credit Card Provider’s determination of application source.

Gift

  1. The “Gift” refers to HK$1,600 759 store e-voucher or HK$1,600 Apple Gift Card or Harman Kardon Aura Studio 3 Wireless Bluetooth Speaker .

  1. For purposes of awarding the Gift, the applicant has to be an “Eligible New Customer” who submits an application for an Eligible Card (refer to Table 1) as a main cardholder during the Qualifying Period via MoneySmart’s website;

  1. An Eligible New Customer will only be entitled to receive one (1) Gift, regardless of the number of Eligible Cards you may have successfully applied for.

  1. Eligible New Customers will get the choice of gift (if applicable) they chose when filling up the MoneySmart Claim Form (refer to clause 6b)
  2. Eligibility for the Additional Gift by the Credit Card Provider
  1. “Additional Gift” by the Credit Card Provider is applicable when Eligible Cardholders fulfill the relevant reward conditions/ spending conditions.

Unless otherwise specified, the above welcome offers are only applicable to New Customers.

  1. The Additional Gift (if applicable) will not be fulfilled together with any existing Business-As-Usual Gifts.

  1. Eligible New Customers shall be solely responsible to share the correct details with MoneySmart. MoneySmart shall not be responsible for any defaults/failure in gift redemption due to incorrect information(s) shared by the customers. In this regard:
  1. Participants who submit incomplete Claim Forms will not be eligible for any rewards. Participants who submit Claim Forms containing invalid or fraudulent information will also be disqualified from MoneySmart rewards.
  2. MoneySmart is not responsible for any information not received due to internet connectivity issues or otherwise.
  3. Claim Forms will not be confirmed as submitted until participants receive an email confirmation. MoneySmart may from time to time request participants to provide a copy of this email to verify their applications.
  4. Claim Form submissions confirmation do not equate to your application approval, nor does it confirm your Eligibility Conditions. These are all decided by the bank and the bank’s decision is final and binding.

  1. An Eligible New Customer whose application is approved within the “Qualifying Period” will receive their Sign-Up Gift within 4 months after the end of Promotion. 
  2. MoneySmart shall not be liable for delay or error in Gift transfer occurring due to any acts or omissions of the banks and/or due to any reason beyond its control.

  1. MoneySmart reserves the final right to change the Gifts given. In the case of delays in the delivery of the Gifts, MoneySmart will notify the recipients and make the necessary arrangements to deliver the Gifts.

  1. MoneySmart reserves the right to reject any Gift redemption if the application is found to be made via other channels, or completed outside of the Qualifying Period, and/or fraudulent, against the spirit of the promotion, or non-compliant with the Promotion Terms and Conditions. In the event of disputes, MoneySmart’s decision shall be final. Where we suspect a participant is participating in any form of unlawful activity or fraud, we reserve the right to report such activity or suspicions to the police or relevant authorities.
  2. For any enquiry regarding this promotion, customers are to contact MoneySmart on or before 31 Jan 2022, overdue enquiry will not be addressed. (Ongoing cases which were enquired before the deadline are excluded.)
  3. HKTVmall Card and all students' credit cards are not applicable to the promotion

General

  1. By participating in this Promotion, each participant agrees to be bound by these Terms and Conditions. MoneySmart reserves the right to amend the Terms and Conditions of the Promotion at any time, without prior notice.

  1. This promotion cannot be combined with any other offers. The Successful Applicant shall NOT be further entitled to receive other rewards in relation to the same application for the Eligible Card, if any.

  1. Where eligibility for MoneySmart Promotion rewards are conditional on eligible product approval by the financial product issuer:
  1. Participants acknowledge and agree that approval on applications for all financial products (including but not limited to credit cards, insurance, and loans) are made at each product issuer’s discretion. Their decisions are final; MoneySmart does not guarantee the approval of any Credit Card and Loan products.
  2. The approved product must have been applied for via MoneySmart. MoneySmart shall consult with its product issuing part.

  1. MoneySmart’s decision on all matters relating to this Promotion is final and binding on all participants, including determining whether a claimant or claim is eligible under these terms.

  1. MoneySmart reserves the right to (at its own discretion) disqualify any participant and withhold or confiscate in full or part, any MoneySmart rewards if the participant is found to be, or reasonably suspected of participating in any form of fraudulent practices (including but not limited to false identities, doctoring images, wilful spamming or manipulation of any MoneySmart’s processes, or website).

  1. Where rewards are pertinent to credit card products: the participant has to make an application for a principal card, in order to be eligible for rewards (i.e. supplementary card applications do not qualify for additional rewards).

  1. Requests for exceptions on voucher conditions (including but not limited to extending validity dates, amending conditions, or reissuing vouchers) cannot be entertained; no exceptions are possible.

  1. Unless otherwise stated, all rewards assigned for respective product approval are not strictly exchangeable for cash or other gifts / rewards.
Contact Us Information
  1. If the Eligible New Customer fails to receive an email from MoneySmart after 4 months from the end of the promotion period,  kindly reach out to us at contact@moneysmart.hk

  1. This Promotion is offered by MoneySmart and all queries about the promotion should be directed to MoneySmart. All queries regarding the Eligible Cards, including but not limited to application status and the Eligible Cards themselves should be directed to relevant Credit Card Providers.

MoneySmart Policy and Terms of Use

By submitting an application via MoneySmart, "Eligible New Customers" agree to the Terms and Conditions of this Promotion, you will also agree to the Terms of Use and Privacy Policy of MoneySmart.sg.

Should there be any discrepancy between the English and Chinese versions, the English version shall prevail.

活動條款 

是次的推廣活動：

  1. 有效推廣期為 2022年7月19日至2022年7月31日

  1. 所有在指定的推廣期之前或之後提交的申請，或經 MoneySmart 以外的任何方式提交的申請，將不符合本次推廣的資格。任何關於遺失及/或延遲提交的查詢均不予受理。

  1. 此推廣（“推廣”）由 MoneySmart Hong Kong 進行，所有香港居民均可以參加。
  2. 申請者明白及接納獎賞由MoneySmart提供，Citibank花旗銀行(香港)毋須對該額外獎賞負上任何責任。

  1. 每個“成功申請”經銀行核實後可選擇以下MoneySmart 獨家獎賞（參見表 1）：

  1. 花旗銀行（香港）信用卡

“合資格新客戶”是指符合以下條件的申請人：

  1. 在推廣期內透過MoneySmart申請及成功獲批花旗銀行（香港）有限公司（下稱"花旗”）指定的信用卡，並在申請時沒有持有任何花旗主卡信用卡賬戶*；和
  2. 現時所申請花旗信用卡主卡批核日起計之過去12個月內沒有取消任何由花旗發行之花旗信用卡主卡之申請人

“現有客戶”是指符合以下條件的申請人：

  1. 在提交申請時已持有花旗信用卡賬戶；和
  2. 曾經持有花旗信用卡，但在批核日起計之過去12個月內曾取消任何由發行之花旗信用卡主卡之申請人；
  3. “現有客戶”並不合符是次的推廣優惠資格

*“現有客戶”包括但不限於任何申請升級之現有花旗信用卡申請人，或已成功批核之申請人，及成功批核但未收到或未確認信用卡的申請人

  1. “合資格之新客戶”須遵循以下列出的所有步驟才能被視為“合資格申請”：
  1. 於推廣期內以主卡人身份於推廣網站https://www.moneysmart.hk/（「推廣網站」）填寫並提交提定的信用卡申請。
  2. 經由MoneySmart指定連結申請信用卡之前，須先
    ●        關閉廣告攔截功能 (AdBlock或其他類似功能)

●        清除瀏覽器的快取和Cookie

●        不要使用「無痕模式」

●        關閉防止跨網站追蹤的設定（Safari用家）或 關閉不追蹤功能（Chrome 用家）

●        在按下MoneySmart指定連結後盡快完成信用卡申請，不要中途打開其他網頁

表 1: 是次推廣活動之指定信用卡

信用卡發卡機構

是次推廣活動之指定信用卡

獎賞

花旗銀行（香港）
有限公司

  • Citi Cash Back信用卡
  • Citi Prestige信用卡
  • Citi PremierMiles信用卡
  • Citi Rewards萬事達卡
  • Citi Rewards銀聯卡
  • Citi 八達通白金卡
  • Citi The Club 信用卡
  • Citi HKTV Mall 信用卡
  • HK$1,600 759 禮品卡 或
  • HK$1,600 Apple禮品卡 或
  • Harman Kardon Aura Studio 3 藍牙喇叭 (價值: HK$1,999)

  1. 填寫 MoneySmart 換領獎賞表格，並確保填寫正確之(1) 聯繫方式和 (2) 有效的申請參考編號
  1. 必須提交換領獎賞表格以作核實之用。
  2. 申請人必須提交完整及準確的換領獎賞表格，否則將失去獲得獎賞資格。
  3. 申請人可就同一申請提交多於一份換領獎賞表格，並以最新提交的為準。收到最終換領獎賞表格後，將不再受理任何信息的更改。
  4. 獎賞金額和獎賞類型是根據您申請的信用卡及申請時的推廣為準。請確保您選擇的獎賞是合符您的申請資格所獲得的獎賞。我們保留最終更改的權利。請查看表 1 以了解更多詳情。

  1. 經所屬的發卡機構成功批核是次推廣活動之指定信用卡
  1. 批核結果必須是無爭議。
  2. 需於2022年8月31日前或之前成功批核
  3. “合資格新客戶”需在2022年9月30日 23:59 (GMT +8) 前提交MoneySmart 換領獎賞表格(必須於系統內先完成我的財務狀況)
  4. 申請者須確保換領獎賞表格內填寫之姓名與信用卡申請表格相同。
  5. 申請者須確保換領獎賞表格內填寫之電郵地址與信用卡申請表格相同。
  6. 任何牽涉舞弊或欺詐行為之申請，MoneySmart HK保留一切法律追究之權利。
  7. 於批卡後30日內以該信用卡作合資格累積簽賬滿$300
  8. 銀行的條款及細則同樣適用於是次的活動，並由銀行方保留最終決定權
  9. 任何於2023年1月31日 23:59 (GMT +8)之後的關於此推廣回覆或查詢將不獲受理。
  1. “成功申請”指合資格信用卡主卡持有人在推廣期內透過 MoneySmart 網站提交的申請。
  2. 推薦獎賞計劃：推薦人成功申請後，每推薦一位親友成功批卡並符合領獎資格，再額外送推薦人$300超市現金券
  1. 推薦人及受薦人必須於9月18日或之前填妥及遞交獎賞換領表格，受薦人需在獎賞換領表格填上推薦人已登記的電郵以作核實，雙方必須於批卡30日內或之前以該信用卡作合資格累積簽賬$300，否則推薦人會失去換領獎賞資格。
  1. 為與銀行進行核實，申請參考編號將會提交予相關的機構，以驗證該申請是否透過條款5(a)內連結所提交。
  2. 信用卡之申請渠道是由信用卡發卡機構核實，並由信用卡發卡機構保留最終決定權。

  1. 如果對申請渠道結果有任何爭議，MoneySmart將保留延遲發送獎賞的決定權及最終決定權。

獎賞

  1. 獎賞是指 HK$1,600 759 禮品卡 或 HK$1,600 Apple禮品卡 或Harman Kardon Aura Studio 3 藍牙喇叭。
  2. 申請人必需是合資格的新客戶，並以主卡人的身份在推廣期內透過MoneySmart網站申請是次推廣活動之指定信用卡（請參閱表1）
  3. 每位合資格的新客戶將只會獲贈獎賞乙份，即使提交多於一份成功申請。
  4. 合資格的新客戶將可以在填寫 MoneySmart 換領獎賞表格時選擇獎賞（如適用）；其後將不再受理任何更改獎賞選擇。
  5. 信用卡發卡機構提供的額外獎賞獲得資格
  1. 合資格之持卡人只須達到相關獎賞條件/簽賬條件，可同時獲得信用卡發卡機構提供的迎新獎賞。

除特別註明外，以上迎新獎賞只適用於新客戶。

  1. 額外獎賞（如適用）將不會與現行的獎賞一同派發。

  1. 合資格的新客戶需確保填寫正確資料。 MoneySmart 將不會負責因為客戶填寫錯誤資料而導致任何獎賞兌換的延誤或遺漏。當中包括：
  1. 申請人提交不完整的換領獎賞表格將被取消獲獎資格。申請人提交錯誤或含欺詐信息的換領獎賞表格也將被取消獲獎資格。
  2. MoneySmart不會為因互聯網連接問題或其他原因而未收到的任何換領獎賞表格負責。
  3. 在申請人收到確認電郵前，換領獎賞表格將不會被視為成功提交。MoneySmart有機會要求申請人提供此電子郵件的副本以核實他們的申請。
  4. 收到換領獎賞表格確認電郵並不等同於您的申請獲批，也不能用以確認您的獲獎條件。獲獎資格由銀行決定，銀行報告將保留最終決定權。
  1. 合資格並在推廣期成功申請的用戶，會於推廣期完結後4個月內收到獎賞（因應實際供貨安排，日子有機會更改）收到獎賞。
  2. MoneySmart 不會為由銀行的任何行為或疏忽和/或不可控因素而導致的獎賞派發延遲或錯誤負責。

  1. MoneySmart保留更改獎賞的最終權利。如果獎賞需延遲送出，MoneySmart將通知收件人並作出必要安排以發送獎賞。

  1. 如果MoneySmart發現該申請是透過其他渠道提交，或在推廣期限之外完成的，和/或涉嫌欺詐，違反推廣目的，或不符合推廣條款及細則，則MoneySmart保留拒絕任何兌換獎賞的權利。如有爭議，MoneySmart保留最終決定權。如果我們懷疑申請人參與任何形式的非法活動或欺詐，我們將保留向警方或有關當局報告及追究權利。
  2. 如有任何關於本次優惠的查詢，請於2023年1月31日23:59(GMT+8)之前聯絡MoneySmart，逾期查詢恕不受理 (限期前提出查詢，正在跟進中的個案除外)
  3. HKTVmall 信用卡及所有學生信用卡均不適用於是次優惠

一般事項

  1. 參加活動即表示所有申請人同意受這些條款和條件。MoneySmart保留隨時修改推廣條款和細則的權利，恕不另行通知。
  2. 成功申請人將不再有權就是次推廣活動之指定信用卡的同一申請獲得其他獎勵（如有）。
  3. 申請指定信用卡並參與MoneySmart是次推廣的資格是由信用卡發卡機構作審核：
  1. 申請人了解並同意，所有金融產品（包括但不限於信用卡、保險和貸款）的申請均由該產品機構自行決定，並保留最終決定權； MoneySmart 不保證任何信用卡和貸款產品的審核狀況。
  2. 獲批的產品須經MoneySmart連結申請，MoneySmart將會與發卡機構核實。

  1. MoneySmart對與此推廣活動有關的所有事項保留最終決定權，並對所有申請人俱有約束力，包括確定申請人或申請是否符合這些獲獎的條件。
  2. 如果申請人被發現或合理懷疑參與任何形式的欺詐行為（包括但不限於虛假身份、篡改圖像、故意發送垃圾郵件或操控任何 MoneySmart 的流程或網站），MoneySmart 將保留取消任何參與者的資格並扣留或沒收全部或部分獎賞的權利。
  3. 當推廣產品為信用卡時，申請人必須主卡申請人，才有資格獲得獎勵（即附屬卡申請不符合獲得獎勵的資格）。
  4. 是次推廣不會作任何豁免，包括但不限於延長換領獎賞期限、更改條款或重發獎賞等豁免要求一律不會受理。
  5. 除特別說明之情況，所有已獲批之獎賞不能兌現或更改為其他獎賞。
聯絡我們
  1. 如合資格的新客戶在優惠期完結四個月後仍未收到MoneySmart發出的電郵，請電郵至contact@moneysmart.hk.
  2. 此推廣活動由 MoneySmart 提供，有關推廣活動的所有查詢請直接聯繫至 MoneySmart。 有關信用卡的所有查詢，包括但不限於申請狀態和信用卡本身，請直接聯繫相關信用卡發卡機構。

MoneySmart 政策和使用條款

透過MoneySmart提交申請，表示申請人同意本次推廣的條款和條件，及MoneySmart的使用條款和隱私政策。

中文譯本僅供參考，文義如與英文本有歧異，概以英文本為準。