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CREDIT CARD ONLINE ACQUISITION CAMPAIGN

Terms and Conditions ("these Terms and Conditions")

IMPORTANT NOTE:
The Citibank Credit Cards mentioned in these Terms and Conditions are not offered to individuals’ resident in the European
Union, European Economic Area, Switzerland, Guernsey and Jersey. These Terms and Conditions are not, and should not be
construed as, an offer, invitation or solicitation to buy or sell any of Citibank products or services mentioned herein to such
individuals

Campaign Period
1. This campaign, organized by Citibank Berhad (Co. No. 297089-M) ("Citibank") called the " Credit Card Online
Acquisition Campaign" ("Campaign") will run from 1 January 2020 to 31 March 2020 both dates inclusive
("Campaign Period").

Eligibility
2. Subject to these Terms and Conditions, the Campaign is open to all new-to-bank1 individuals who are
residents of Malaysia, who do not have any credit card issued by Citibank in Malaysia and, who has attained
the age of 21 years ("Eligible Persons" or each, an “Eligible Person”) at the time of making an application
for any one or more of the following Citibank credit card(/s) as a principal cardmember during the Campaign
Period:-
a) Citi PremierMiles Credit Card
b) Citi Rewards Credit Card
c) Citi Cash Back Credit Card
d) Citi Clear Credit Card;
Each of the Citibank Credit Cards above shall be referred to as “Card or “Citibank Credit Card” and
collectively as “Cards” or “Citibank Credit Cards”, depending on context

3. To be eligible for this Campaign, an Eligible Person must apply for any one or more Citibank Credit Cards via
the Website, accessible via www.citibank.com.my/samsungpay (“the Website”) by completing an
electronic online Citibank credit card application form and uploading all required supporting documents to
Citibank. For the avoidance of any doubt, the online Citibank credit card application must be accessed via
the Website

Eligible Persons who applies for any one or more Citibank Credit Cards under this Campaign shall hereinafter
be referred to as “Applicants” or each, an “Applicant”.

4. The following persons are NOT eligible to participate in this Campaign:

a) permanent and/or contract employees of Citibank (including its subsidiaries and related companies)
and their respective immediate family members;
b) representatives and/or agents (including advertising and campaign agents) of Citibank and their
respective immediate family members;
c) any Applicant or persons who had cancelled any of his/her Citibank credit card within twelve (12)
months before the date of application and is re-applying for any Citibank Credit Card under the
Campaign;
d) present holders of any Citibank credit card(s) whether issued in Malaysia or otherwise; and/or
e) any person who has committed or suspected of committing any misconduct, fraudulent or wrongful
acts in relation to their Card account(s), any facility, service or accommodation granted by Citibank,
including Citibank Online (Website).

___________________________
1“New-to-bank” also includes individuals or Citibank customers, but excluding those persons who fall under Clause 4(c) in these Terms and Conditions. They will not
be qualified to participate.

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The Campaign
5. Subject to these Terms and Conditions, each Applicant whose application has been submitted during the
Campaign Period and successfully approved by Citibank before 30 April 2020 will be entitled to one (01)
Samsung Promo Code worth six thousand (6,000) Samsung Reward Points provided such Applicant fulfills
the following conditions (defined below):

Fulfillment Criteria Acquisition Gift (“Gift”)

Minimum eight (8) times Retail Spend made using
your successfully approved Citibank Credit Card
under this Campaign within the Qualifying Period.
6,000 Samsung Reward Points
“Qualifying Period” is defined as sixty (60) days
from the date the Card has been successfully
approved.

6. For the avoidance of doubt:

a) If your application or supporting documents are dispatched by facsimile, proof of transmission
does not mean proof of receipt by Citibank;
b) If your application or supporting documents are dispatched by courier, Citibank will not be
responsible for any mishandling or misdirection of any courier;
c) all relevant conditions under these Terms and Conditions must be fulfilled, including the Card
account of the Successful Applicant in good standing, in order for to be eligible for any of the Gifts
or other privileges, waivers and benefits under this Campaign.

7. For the avoidance of doubt, “successfully approved" means an Applicant’s online Card application that is
approved by Citibank on or before 30 April 2020 and a conditional approval of a Card application is not an
“approved" application. An Applicant whose application is successfully approved in accordance with these
Terms and Conditions is hereinafter referred to as a "Successful Applicant".

8. "Retail Spend" means the purchase of any goods or services (local or international) with the use of the Card
an may, at Citibank discretion, include any card transaction as may be determined by Citibank except for
the following transactions:
a. Instalments paid under Citibank's FlexiPayment Plan, EPP transactions, Credit Shield Plus, Quick Cash,
Balance Transfer, Balance Transfer via Installment Plan and Cash Advance;
b. Any disputed, cancelled, refunded, unauthorized or fraudulent purchase transactions;
c. Payment of annual Citi Credit Card membership fees;
d. Interest payments, late payment fees, charges for cash withdrawals, Goods and Service Tax or other
taxes and any other form of service/miscellaneous fees; and/or
e. Transactions made by the Citibank cardmembers with any merchant associated with or controlled by
them (whether as employee, employer, shareholder or director). i.e transactions by a Citibank
cardmembers with any corporation or business entity in which he is an employee or employer or works
with or has shares or interest in or is a director of.

9. Redemption of Gift
a. Successful Applicants will receive an email from Citibank with instructions on how to redeem the Gift,
within 12 weeks after the Card is successfully approved, activated and spent.
b. Supplementary Card members are not entitled or eligible to the Gift or to redeem the Gift.

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10. The following additional terms and conditions shall apply to the Gift: -
a. The Gift will be given in the form of a unique e-code issued by Citibank’s participating partner merchant
(“Partner”) and sent by Citibank via email or SMS as per the application form within twelve (12) weeks
after the fulfilment of criteria in Clause 5 above;
b. Successful Applicants who apply for more than 1 Card as a principal Card member will only be granted
one Gift on the first successful Card application.;
c. Applicants are responsible for redeeming the Gift directly from Partner’s website as stated in the email
or SMS sent by Citibank within the validity of the unique e-code;
d. If there is any non-receipt of the Gift, the Successful Applicant is required to contact CitiPhone by 30
June 2020 at the latest, to request for an inquiry. No request for any inquiry will be entertained after
30 June 2020;
e. The Gift has to be redeemed within one (1) month from the date the Applicant receives an email from
Citibank with instructions on how to redeem the Gift and is subject to the relevant terms and conditions
applicable to using the Gift imposed by the participating merchant which can be found on their website
or mobile app, as applicable. If the Gift remains unused or unredeemed after the said 1 month, the Gift
will lapse and will not be replaced;
f. The Gift cannot be used with any other promotions or offers by the participating merchant, Citibank or
any other party. For the avoidance of any doubt, the Gift will be subject to the terms and conditions
stipulated by the participating merchant which may be amended from time to time and if there are
any discrepancies between these terms and conditions and the participating merchant’s terms and
conditions, the participating merchant’s terms and conditions will prevail;
g. The Gift is subject to availability. If the participating merchant or supplier is unable to supply the Gift
to the Successful Applicant, Citibank reserves the right at its discretion to substitute the Gift with other
products or services of approximately equivalent value at any time with prior notice. The title to the
Gift and any risk of inability to use, loss or damage to the Gift passes to the Successful Applicant upon
issuance of an email from Citibank with instructions on how to redeem the Gift as mentioned above or
if the Gift is substituted with other products or services, upon the delivery of such product s or issuance
of the notification on how to redeem such services to the Successful Applicant. Citibank shall not be
responsible for or obliged to recognize or replace any defective, lost, damaged or stolen Gift including
its substitute;
h. To the fullest extent permitted by law, Citibank expressly excludes and disclaims any representations,
warranties or endorsements, expressed or implied, written or oral, including but not limited to, any
warranty of quality, merchantability or fitness for a particular purpose in respect of the Gift;
i. The Gift is not transferable, nor exchangeable for cash, credit or kind, whether in part or in full;
j. In that respect, each and every Applicant understands that the terms and conditions specified in the
Gift are beyond our control and are determined by the participating merchant. Any dispute(s) arising
out of the terms and conditions applicable to such Gift must be settled directly by the relevant
Successful Applicant and the participating merchant. Citibank is not responsible for investigating or
resolving any disputes between any Successful Applicant and the participating merchant and is not
responsible for replacing or cancelling any redemption as a result of such dispute(s);
k. Where the Gift is to be redeemed under this Campaign are in the form of certificates/vouchers issued
by participating merchants or suppliers, the Gifts are valid for use until the date specified on the
certificates/vouchers and are subject to the relevant terms and conditions applicable to using them. If
they remain unused or unredeemed after any specified date, these certificates/vouchers will lapse and
will not be replaced;
l. In that respect, each and every Applicant understands that the terms and conditions specified in the
Gifts (where the Gifts are in the form of certificates/vouchers) are beyond our control and are
determined by the participating merchants or suppliers. Any dispute(s) arising out of the terms and
conditions applicable to such Gifts must be settled directly by the relevant Applicant and the
participating merchants or suppliers. Citibank is not responsible for investigating or resolving any

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disputes between any Applicant and the participating merchant or supplier and is not responsible for
replacing or cancelling any redemption as a result of such dispute(s);
m. To avoid any doubt, if the Gifts (where the Gifts are in the form of certificates/vouchers) are used for a
value less than the amount stated on them, the difference will not be refunded to the Applicant. If the
value of the Gifts is less than the value of the item(s) purchased, the Applicant must pay the difference;
n. To avoid further doubt, where Gifts are in the form of certificates/vouchers for dining, travel and/or
hotel accommodation purposes issued, such Gifts do not constitute a reservation. Applicants will have
to make their own reservations based on the terms and conditions applicable to using them.

11. Citibank reserves the right at its discretion to approve or reject any application and/or the supporting
documents submitted to Citibank which are not legible or are fraudulent. For the avoidance of doubt,
Citibank reserves the right, as it deems fit to determine if the supporting documents are sufficiently legible
or genuine for purposes of the approval of the application.

12. An Applicant may enquire the status of the application by contacting Citibank at the following telephone
numbers: 03-2383 0000 (Kuala Lumpur), 04-296 0000 (Penang), and 07-268 0000 (Johor Bahru) or 1800-
82-1010 (Sabah & Sarawak) ("CitiPhone").

13. An Applicant may also be participating in more than one Citibank credit card promotions organised for or
in conjunction with the acquisition of new credit card customers where the Applicant may also be similarly
entitled to gifts or rewards. In the event that the promotion periods for such other promotions overlap with
the Campaign Period, then the Applicant understands that he/she shall only be entitled to receive the
gift(s) or reward(s) from the first Citibank credit card approved by Citibank via the channel that the
Applicant had applied from, regardless of the number of successfully approved applications in such other
promotions and/or this Campaign.

Miscellaneous
14. Citibank's decisions on all matters relating to the Campaign will be final and binding.

15. Citibank reserves the right to disqualify an Applicant /Successful Applicant (as the case may be) from
participating in the Campaign and/or from receiving the Gift:
a) where the minimum payment or any amounts due and payable under any of the Successful
Applicant’s Citibank Credit Card account(s) are not settled on or before its due date;
b) If any of the Successful Applicant’s Citibank Credit Card account(s) is cancelled, closed, or
terminated by any reason whatsoever, either voluntarily or involuntarily;
c) is not eligible to participate in the Campaign and/or receive the Gift; and/or
d) has committed or is suspected of committing any misconduct, fraudulent or wrongful acts.

16. Citibank shall not be liable for any default in respect of the Campaign due to any act of God, war, riot, strike,
lockout, industrial action, fire, flood, drought, storm, epidemic or pandemic, technical or systems failure or
any event beyond the reasonable control of Citibank.

17. Citibank reserves the right to cancel, terminate or suspend the Campaign or any individual offer(s) in the
Campaign with notice. In such an event, Citibank also reserves the right to replace any of the individual
offer(s) with another similar offer in the Campaign. For the avoidance of doubt, any cancellation,
termination or suspension by Citibank of the Campaign (or any individual offer(s) in the Campaign) shall not
entitle any Applicant or Successful Applicant to any claim or compensation against Citibank for any and all
loss or damage suffered or incurred by the Applicant, or Successful Applicant whether as a direct or indirect
result of the act of cancellation, termination or suspension of the Campaign or any individual offer(s) in the
Campaign.

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18. Citibank reserves the right as it deems fit to vary or change any of these terms and conditions with notice.
These terms and conditions may be varied or changed by Citibank by way of posting on Citibank Facebook
Webpage or in any other manner deemed suitable by Citibank. Applicants and Successful Applicants who
had participated in the Campaign are deemed to have accessed Citibank Facebook Webpage and/or
Citibank’s website at www.citibank.com.my (Website) and to have knowledge of and to have agreed to any
changes or variations to these terms and conditions. Applicants and Successful Applicants agree that their
continued participation in the Campaign will constitute their acceptance of these terms and conditions (as
varied or changed).

19. By participating in the Campaign, Applicants and Successful Applicants agree to be bound by these Terms
and Conditions (as modified and varied from time to time) and any decisions of Citibank. Successful
Applicants hereby consent to and authorize Citibank to disclose their particulars to the third party service
providers engaged by Citibank for purposes of the Campaign. Citibank warrants that the disclosure of such
particulars to any third party service providers shall be limited to the Successful Applicants’ names,
addresses and telephone numbers and shall be used only in relation to and for purposes of the Campaign.

20. To the fullest extent permitted by law, by participating in the Campaign, each and every Applicant and
Successful Applicant is agreeing that he/she will not hold Citibank and its officers, servants, employees,
representatives and/or agents (including without limitation, any third party service providers that Citibank
may engage for the purposes of this Campaign) liable for any loss or damages that he/she may incur, in
connection with the Campaign.

21. Any term or condition applicable to this Campaign which is illegal, prohibited or unenforceable under any
law or regulation shall be ineffective to the extent of such illegality, voidness, prohibition or
unenforceability without invalidating the remaining provisions.

22. These terms and conditions are governed by and construed under the laws of Malaysia.

Privacy
At Citi, the security of personal information about you is our priority. We protect this information by maintaining
physical, electronic, and procedural safeguards that meet applicable law. We train our employees in the proper
handling of personal information. When we use other companies to provide services for us, we require them to
protect the confidentiality of personal information they receive. Please refer to our Notice and Choice Principle
Statement accessible via https://www.citibank.com.my/privacyEng/PDPA_Eng.pdf which outlines how we intend to
deliver all the rights and protections you are entitled to in respect of your personal data.

Credit Cards Online Acquisition Campaign Terms & Conditions