Citibank Citibank AXA Credit Card Welcome Guidebook

Citibank Citibank AXA Credit Card Welcome Guidebook

Contents Citibank Important Hints When Using Your Citibank Credit Card P1 - P2 Benefits and Services Citibank Online Citibank Online Personal Help Beyond Your Expectations Supplementary Cards Financial Flexibility Lost Card Protection Citi Rewards Citi Rewards Program Shopping Benefits Citibank Citibank World Privileges Interest Free Installment Plan Convenient Payment Options Citibank Online / Citibank 24 Citibank Pay by Citibank Online/24-Hour CitiPhone Banking & Citibank ATM JET Payment Payment-by-Phone Service (PPS) Pay by FlexiAutopay Pay by Check or Cash Year Round Benefits Autopay Your Premiums Through The Card Gives You Peace of Mind Comprehensive Protection Around You Year Round Medical Benefits P3 - P5 P6 - P8 P9 - P12

Citibank Important Hints When Using Your Citibank Credit Card Citibank... When you receive your Citibank Credit Card, please... Sign on the back of the card immediately for your protection Citibank... When you make purchases with your Citibank Credit Card, please note that... The card returned to you is yours sales slip Your name correctly imprinted The right amount charged () Tips (if applicable) and total amount included Currency sign clearly marked Sign with valid signature Obtain copy and keep for record 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... Make sure You never sign a blank sales slip 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

How to keep your PIN (Personal Identification Number): Destroy the original printed copy of the PIN after memorising 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 Citibank 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 PIN Ensure that no one is watching you while you key in your PIN Citibank ( ) Citibank Online (www.citibank.com.hk) 24Citibank * Citibank or the Police will NEVER request your PIN via email or telephone. You are ONLY required to key in your PIN when you proactively access Citibank Online at www.citibank.com.hk, 24-Hour CitiPhone Banking Hotline* or an ATM 24Citibank* If your PIN is lost or becomes known by another person, please immediately call our 24-Hour CitiPhone Banking Hotline* to report the case Not to use the PIN for accssing other service, for example connection to the internet or accessing other websites Citibank How to minimize unauthorized access and use of your Citibank Credit Card information () Citibank Promptly update any change in personal details with the bank to prevent your Citibank credit card information from being sent to the wrong address and prevent them from falling into the wrong hands Citibank/ Citibank Participating service establishments may carry out Card Centre-required security practices each time you use your Citibank Credit 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 What to do in case of loss, theft and card captured at ATM Citibank 24Citibank* Your liability for a lost, stolen or ATM captured Credit Card ceases immediately if you have exercised reasonable care in safeguarding your Citibank Credit Card and if you notify us as soon as reasonably practicable. If you have disclosed your PIN to another person and this has led to transactions by others, you remain liable for the PIN-related transactions 24Citibank* If you want to report the case, please immediately call our 24-hour CitiPhone Banking Hotline* * 24Citibank For enquiries, please call our 24-Hour CitiPhone Banking at 2860 0333 www.citibank.com.hk/cards 2

Benefits and Services Citibank Online Citibank Online Personal Help Beyond Your Expectations Citibank Online www.citibank.com.hk Citibank Online 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 www.citibank.com.hk, 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. Citibank Online www.citibank.com.hk Besides the above services, Citibank Online will keep on providing more comprehensive services in the future. For details, please visit www.citibank.com.hk. Supplementary Cards 16Citibank Citibank * Share the exclusive privileges and security of your Citibank AXA 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 credit limit as you. To apply, simply complete and return the application form, with the copy of each supplementary card applicant's HKID. * Citibank Citibank AXA Classic Cardholder can enjoy permanent annual fee wavier for the first supplementary card Citibank Citibank AXA Gold Cardholder can enjoy permanent annual fee wavier for the first two supplementary cards 3

Financial Flexibility i. Interest-free Repayment Period 58 You can enjoy an interest-free repayment period up to 58 days. ii. 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. iii. * Worldwide Cash Advances * Citibank VISA/MasterCard ** 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: Citibank All Citibank branches and ATMs in Hong Kong. 370,000VISA/PLUS 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: 24Citibank2860 0333 In the event that you forget or misplace your PIN, please call us immediately on 24-Hour CitiPhone Banking on 2860 0333. We ll be happy to send the old PIN to you or issue you a new one. * Citibank VISAMasterCard Citibank Ultima Card Citibank PremierMiles VISA CitibankVISACitibankCitibankShell Citibank A fee will be charged to the account for this service. Please refer to the Citibank VISA and MasterCard Agreement, Citibank Ultima Card Agreement, Citi PremierMiles Platinum VISA Card Agreement. Citibank Cash Back VISA Card Agreement, Citibank Renminbi Credit Card Agreement, Octopus Citibank Credit Card Agreement, Shell Citibank Platinum Agreement for details. ** Citibank VISA/MasterCardHK$40,000 The daily draw limit on the Citibank VISA/MasterCard is HK$40,000 (Subject to the daily Cash Advance Limit of different ATMs). Lost Card Protection i. Total Lost Card Protection Citibank24Citibank2860 0333 * If your Citibank Credit Card is lost or stolen, report it immediately to the police and to us by calling the 24-Hour CitiPhone Banking on 2860 0333. You will be protected from total liability*. * Citibank VISAMasterCard Exclude cash advance transactions. For details, please refer to the Citibank VISA and MasterCard Agreement. ii. Worldwide Emergency Card Replacement Service Citibank24Citibank2860 0333 To report your Citibank Credit Card as lost or stolen in Hong Kong, call the 24-Hour CitiPhone Banking on 2860 0333 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. Citibank40 24Citibank 2860 0333 VISA/MasterCard 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. 24 Remark: For details, please refer to the 24-Hour International Emergency Directory. 4

Citi Rewards Citi Rewards Program CitibankHK$1 CitiRewards 1* 24Citibank29176910 For every HK dollar you spend with your Citibank Credit Card, you can get 1 Citi Rewards Point. Your Citi Rewards Points will be clearly shown on your monthly statement. You can redeem your Citi Rewards Points for a host of fabulous gift items or cash coupons*, via our 24-Hour CitiPhone Banking, by fax at 2917 6910 or by mail. CitiRewards www.citibank.com.hk/citirewards 24Citibank2860 0333 For enquiries on the Citi Rewards Program, please visit www.citibank.com.hk/citirewards or call our 24-Hour CitiPhone Banking at 2860 0333. * Citi RewardsCiti Rewards (a) ()() CitibankCitibank Citibank Rewards (Citibank ) Citibank Ultima Card Citibank Citibank Citibank Citibank I.T VISA Card ; Citibank Citibank ( ) All redemptions are subject to the Terms and Conditions stated in the Citi Rewards Catalog. Citi Rewards Program is applicable to: (a) Cardholders of Citibank Classic Card, Citibank Gold Card, Citibank Rewards Card (Former name is Citibank Platinum Card), Citibank Ultima Card, Citibank Renminbi Credit Card, Citibank AXA Credit Card, Citibank Hospital Authority Credit Card, and Citibank I.T VISA Card issued by Citibank (Hong Kong) Limited ("Citibank"); Authorized officer of central billing Citibank Business Card, authorized officer and its supplementary cardholders of individual billing Citibank Business Card issued by Citibank. Shopping Benefits i. Worldwide Acceptance Citibank 200 You and your Citibank Credit Cards are welcomed in over 10 million establishments in around 200 countries. Citibank 24Citibank2860 0333 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 2860 0333. ii. Transactions Made Outside Hong Kong VISA/MasterCard 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 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 www.citibank.com.hk/worldprivileges 24Citibank2860 0333 For details, please visit www.citibank.com.hk/worldprivileges or call the 24-Hour CitiPhone Banking on 2860 0333. Interest Free Installment Plan Citibank45024 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. Exclusive Benefits and Services 5

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 / 24 / Citibank / Citibank Pay by Citibank Online / 24-hour CitiPhone Banking / Citibank ATMs / Citibank Mobile Financial Services www.citibank.com.hk Citibank Online( ) 242860 0333 Citibank Citibank You can visit www.citibank.com.hk to settle payment through Citibank Online (if applicable) or simply call our 24-hour CitiPhone Banking Hotline at 2860 0333 or use Citibank ATMs to transfer funds from your Citibank Savings or Checking Account to settle your bill. 8 5 Monday - Friday before 8 p.m. Saturday before 5 p.m. The transferred amount will be credited to your Credit Card account on the same business day. JET Payment (Citibank) Citibank You can always access your JETCO partnership bank accounts (including Citibank account) via other JETCO ATMs in Hong Kong that bear JET Payment logo to settle Citibank Credit Card payment anytime, anywhere. 7 Monday - Friday before 7:30 p.m. Payments must be made at least one business day prior to the Payment Due Date. Payments made on Saturday, Sunday, public holiday or after the cut-off time will be processed on the second business day thereafter. Payment-by-Phone Service (PPS) Citibank ATM Card www.ppshk.com Citibank Open a PPS account through a PPS Terminal with your Citibank ATM Card or any other Automatic Teller Machine (ATM) cards and you can settle the payment of your Citibank Credit Card via any touch-tone phone, or by visiting the PPS website www.ppshk.com - anywhere, anytime and free of charge. Citibank15 Merchant code of Citibank Credit Cards : 15 900 00 222 328 ( ) 900 00 222 329 () For details, please call the PPS hotline on: 900 00 222 328 (Cantonese) or 900 00 222 329 (English) 7 Monday - Friday before 7 p.m. 6

Pay by FlexiAutopay Citibank () 3120 With FlexiAutopay, we automatically debit the outstanding amount or minimum payment due amount from your specified account each month. Please always ensure that there is sufficient fund in the account to be debited at least one business day before the Payment Due Date to meet any transfer so authorized. Besides, you can vary your payment date and the amount you pay, or suppress your current payment instruction anytime. To apply this service, simply fill in the enclosed FlexiAutopay Authorization Form and mail to Citibank (Hong Kong) Limited, GPO Box 3120, Hong Kong. Note : There could be possible charge by other bank. (1) (2) (1) Follow your autopay instruction, at least one business day before the Payment Due Date (2) Change your autopay instruction, at least two business days before the Payment Due Date Pay by Cheque or Cash 1. Citibank Citibank ATMs Citibank24 You can settle your payment by crossed cheque or cash at any Citibank ATMs 24 hours a day, 7 days a week. (1) ( 3) (2) ( 311 (1) Cheque (Monday - Friday before 3 p.m.), at least two business days prior to the Payment Due Date (2) Cash (Monday - Friday before 3 p.m. Saturday before 11 a.m.) 2. Citibank Citibank Express Drop Box Citibank Just enclose your crossed cheque together with your payment slip in a sealed envelope and drop it in the Express Drop Box located at your nearest Citibank branch. 3 Monday - Friday before 3 p.m. Payment must be made at least two business days before the Payment Due Date 3. Cheque Payment by Mail () 8776 Simply send your crossed cheque together with your payment slip to Citibank (Hong Kong) Limited, GPO Box 8776, Hong Kong. Mail out your cheque at least five business days before the Payment Due Date 4. Citibank Cash/Cheque Deposit Machine (CDM) Citibank/Citibankwww.citibank.com.hk/ You can settle your payment by cash or crossed cheque through any CDM at selected Citibank branches. Please refer to www.citibank.com.hk for the locations of the machines. (1) ( 3) (2) ( 86 (1) Cheque (Monday - Friday before 3 p.m.), at least two business days prior to the Payment Due Date (2) Cash (Monday - Friday before 8 p.m. Saturday before 6 p.m.) 7

Note : 1. / The cut-off time of the above payment methods are only applicable in Hong Kong. If you settle your balance by cash or cheque through our Macau branch, please make the payment at least two business days prior to the Payment Due Date. 2. () For cheque payment, please make your cheque payable to Citibank (Hong Kong) Limited" with your credit card account number. 3. Business day means a day (other than Saturday, Sunday or public holiday) on which banks are open for general business in Hong Kong. 8

Year Round Benefits Premium Autopay Service Citibank AXA+ To make premium payment simple and hassle-free, you can autopay your AXA China Region Insurance Policy renewal premiums with your Citibank AXA Credit Card+. + AXACitibank / Citibank Citibank The owners of AXA China Region insurance policies must be the same as the Citibank AXA Credit Cardholders and/or the direct family members of Citibank AXA Credit Cardholders, being Citibank AXA Credit Cardholders' spouse and children. Comprehensive Protection Around You Citibank Spending with your Citibank AXA Credit Card entitles you to our various protection programs without registration. Global Purchase Protection Citibank30 # Any item purchased with Citibank AXA Credit Card is accidentally damaged within 30 days of purchase, you will automatically be entitled to enjoy complimentary purchase protection #. Maximum Indemnity Citibank Citibank AXA Gold Card: US$3,000US$10,000 Up to US$3,000 for any one item; subject to a limit of US$10,000 for any one occurrence. Citibank Citibank AXA Classic Card: US$1,000US$4,000 Up to US$1,000 for any one item; subject to a limit of US$4,000 for any one occurrence. () Total Travel Protection (Exclusively for Gold Cardholders) Citibank ^ # Automatically enjoy free travel protection when you pay travel fares or tickets in full with your Citibank AXA Gold Card #. This plan also covers your family members^. 1) Travel Protection Insurance Travel Accident Insurance 24 24-Hour Personal Travel Accident Accidental Medical Expenses Coverage 2) Travel Delay and Luggage Delay Insurance 75 The insured person must be under the age of 75 on the date of the injury. Maximum Indemnity US$250,000 # AXA Subject to the Terms & Conditions of the policy. Please call AXA Claim Service Hotline for details. ^ 23 Only cover the Cardholder s legally married spouse and dependent children under the age of 23 and who are unemployed and unmarried. AXA 2519 1567 ( 95 30 ) AXA Claim Service Hotline: 2519 1567 (Office Hour: Monday - Friday 9:00am - 5:30pm) 9

Year Round Medical Benefits Citibank Citibank AXA Credit Cardholders can enjoy Comprehensive Medical Protection with No spending requirement Various medical services, checkup and vaccination plans Up to 70% off 4 30 4 service providers provide over 30 medical service centers SmartHealth Medical Centre Medical Service General Charge Citibank Special Price for Citibank AXA Credit Cardholders Medical Service Citibank Special Price for Citibank AXA Credit Cardholders (3) General Consultation (includes 3 days of medication) (4) Specialist Consultation (includes 4 days of medication) (2) Chinese Herbalist (includes 2 days of medication) ( ) Bonesetter (per region per session) ( ) Physiotherapy Treatment (per region per session) HK$180 - HK$300 HK$500 - HK$1,200 HK$250 - HK$600 HK$250 - HK$400 HK$250 - HK$350 HK$150 HK$350 HK$150 HK$190 HK$200 Standard Checkup Plan Premium Checkup Plan Female Plan Male Plan Eye Exam Plan Domestic Helper Plan Cancer Plan HK$1,770 HK$4,110 HK$2,510 HK$2,205 HK$1,280 HK$955 HK$2,830 HK$878 HK$1,680 HK$1,125 HK$1,238 HK$480 HK$488 HK$938 Vaccination Plan HPV HPV Vaccine Gardasil Cervarix HK$3,900 3 Total 3 Vaccines Citibank Special Price for Citibank AXA Credit Cardholders HK$2,680 3 Total 3 Vaccines 11 HK$5,000 HPV12 Upon purchase of any body checkup, eye exam or vaccination plan, you can enjoy a free nutritionist assessment or Hepatitis vaccination. Cardholders can pay with the 12-month interest-free installment plan when making any single purchase worth HK$5,000 or purchasing the HPV Vaccination Plan. SmartHealth Medical Centre SmartHealth Medical Centre is responsible for the above Year Round Medical Benefits. SmartHealth Medical Centre2736 6662 SmartHealth Medical Centre Enquiry and Reservation Hotline: 2736 6662 9 305 Office Hour Monday Friday 9:30am 5pm 10

HC Healthcare Limited Medical Checkup Plan Citibank Special Price for Citibank AXA Credit Card Basic Physical Examination Standard Physical Examination Preferential Health Screening Package Comprehensive Physical Examination Executive Physical Examination Pre-Employment Physical Examination Domestic Helper Physical Examination Pre-Marital Physical Examination Male Female Elderly Physical Examination Well Women Physical Examination HK$660 HK$840 HK$2,320 HK$1,300 HK$2,650 HK$320 HK$620 HK$530 HK$650 HK$720 HK$1,150 HK$330 HK$420 HK$590 HK$650 HK$1,325 HK$160 HK$310 HK$265 HK$325 HK$360 HK$575 () All packages include health investigation (questionnaire), basic physical examination and laboratory tests with report Vaccination Plan Citibank Special Price for Citibank AXA Credit Card HPV HPV Vaccine Gardasil Cervarix HK$4,500 3 Total 3 Vaccines HK$2,650 3 Total 3 Vaccines HK$199 ( (HK$400) Upon purchase of vaccination plan, cardholders can enjoy Gynecological pap-smear test with special price of HK$199 (performed by female doctor, original price HK$400) HC Healthcare Limited is responsible for the above Year Round Medical Benefits. 2891 8300 HC Healthcare Limited Enquiry and Reservation Hotline: 2891 8300 96 91 Office Hour Monday Friday 9:00am 6:00pm, Saturday 9:00am 1:00pm, except Public Holiday 11

() MediFast (Hong Kong) Limited Medical Checkup Plan Citibank Special Price for Citibank AXA Credit Card Basic Checkup Plan A (MG001) Standard Checkup Plan Plan A (MG001) B (MG002) Selective Checkup Plan Plan B (MG002) C (MG003) Premier Checkup Plan Plan C (MG003) D (F) (MF001) Female Elite Checkup Plan Plan D (F) (MF001) E (MM001) Male Elite Checkup Plan - Plan E (MM001) A (MF006) Gynaecological Health Check Plan A (MF006) B (MF008) Gynaecological Health Check Plan B (MF008) C (MF007) Gynaecological Health Check Plan C (MF007) HK$930 HK$1,860 HK$1,975 HK$3,015 HK$3,820 HK$3,850 HK$2,530 HK$3,530 HK$4,580 HK$480 HK$875 HK$890 HK$1,335 HK$1,785 HK$1,785 HK$1,295 HK$1,785 HK$2,380 7-10 For checkup plans, doctor will explain the check-up results over the phone within 7-10 working days with comprehensive health check-up report and health recommendations by doctor. Osteoporosis Citibank Special Price for Citibank AXA Credit Card Vaccination Plan Citibank Special Price for Citibank AXA Credit Card (X) Bone Densitometry (D.E.X.A.) HK$1,000 HK$450 Influenza Vaccination (1 dose) Fluarix (GSK - GlaxoSmithKline) HK$165 HK$100 9 5 31 The influenza vaccination is only available from mid September of each year to 31st May of next year. () MediFast (Hong Kong) Limited is responsible for the above Year Round Medical Benefits. ()2272 8222 MediFast (Hong Kong) Limited Enquiry and Reservation Hotline: 2272 8222 9126 9125 Office Hour Monday Friday 9:00am 1:00pm, 2:00pm 6:00pm, Saturday 9:00am 1:00pm, 2:00pm 5:00pm Hong Kong Chiropractic Group Limited Medical Checkup Plan Citibank Special Price for Citibank AXA Credit Card Surface Electromyography X Spinal Assessment Package HK$650 HK$1,960 HK$200 HK$910 Hong Kong Chiropractic Group Limited is responsible for the above Year Round Medical Benefits. 3428 8108 Hong Kong Chiropractic Group Limited Enquiry and Reservation Hotline: 3428 8108 8 3023 307 30 8 3023 305 Office Hour: Monday Wednesday and Friday: 8:30am 2:00pm, 3:30pm 7:30pm, Saturday: 8:30am 2:00pm, 3:30pm 5:00pm Offers are subject to change without prior notice. 12