

Shop at The Club with your Citi The Club Credit Card to enjoy instant discount and extra Clubpoints rewards.
Plus, use your Clubpoints to slash your bill!
Whether you're planning to buy a new phone, upgrade home appliances, or purchase a
travel package, spending at The Club to allows you to enjoy exclusive discounts and
earn up to 4% Clubpoints spending rebates!
Promotion Period:From now until Oct 31, 2026

An easier way to earn point & spend!
Spend with Citi The Club Credit Card to earn upto 4% Spending Rebate!
Remarks:
1. Eligible Cardholders can use“Spend Less with Clubpoints” function and/or The Club Cash Voucher on the checkout page of The Club Online Platform to offset the final net transaction amount settled with the Eligible Cards must be no less than HK$5,000.
2. Only one promo code can be applied per Eligible Transaction. During the entire Promotion Period, each The Club account can use the Designated Promo Code ONCE only, subject to the quota, on a first-come-first-served basis while the quota lasts. In the event that the quota has been used up, relevant notice may or may not be displayed on The Club Online Platform and/or the Bank’s promotional website. When all quota for the Offer is used up, the Offer shall be ended immediately without prior notice.
^ The installments from the Citi Credit Card “FlexiBill” Installment Program and Citi Credit
Card “PayLite” Installment Program are billed to the Citi Credit Card account monthly similar to a
normal retail purchase and are subject to usual finance charge if you pay/ had paid less than the
statement balance indicated on your current or previous monthly statements of account on or
before the payment due date. For details, please refer to Terms and Conditions for Citi Credit
Card "FlexiBill" Installment Program and Citi Credit Card "PayLite" Installment Program
Security Tips for Online Transactions

Not a Citi Credit Cardholder?
Apply now and experience a world of rewards.
General Terms & Conditions:
- Unless otherwise specified, the promotion applies to cardholders of Citi The Club Credit Card issued by Citibank (Hong Kong) Limited (“Citibank”) (“Eligible Card”), who are also members of The Club (“Cardholder”). Club HKT Limited ("the Merchant") may reject an Eligible Card if its payment system cannot handle the Eligible Card type. Please contact the Merchant for details.
- Citibank and the Merchant will determine the eligibility of Cardholders to participate in this promotion as well as the transactions based on Citibank's and the Merchant’s records.
- Eligible Card accounts of Cardholders must be valid and with good credit record during the Promotion Period in order to be eligible to receive or enjoy the promotion, otherwise Citibank reserves the right to forfeit the Offer without prior notice.
- Cardholders must keep and submit the relevant original credit card sales slips and original merchant sales receipts and/or other documents in respect of the relevant transactions for inspection upon request by Citibank. All documents submitted to Citibank will not be returned
- Unless otherwise specified, Cardholders are required to state their intention to enjoy the promotion to the respective Merchant by inputting the designated promo code prior to payment and settle the whole payment by respective Eligible Cards to enjoy the promotion.
- Unless otherwise specified, Cardholders are required to input designated promo code prior to payment (if applicable) and settle the whole payment by respective Eligible Cards in order to enjoy the offer(s) from the respective merchant. Citibank and the Merchant are not liable for and will not indemnify for any inability or failure to enjoy the promotion including without limitation the failure of using the promo code as it has expired; is invalid or cancelled; its quota has been used up; fails to be used; or fails to be used due to technical factors; and any other possible reasons.
- Unless otherwise specified, the promotion cannot be used in conjunction with other special promotions, discounts, The Club coupon or promotional coupons, and/or any other type of promotion or transaction as determined by Citibank and the Merchant from time to time nor be transferred or exchanged for cash or other promotion.
- Availability of the promotion is subject to offer or service availability, account status checking and final acceptance by Citibank and the respective Merchant’s absolute discretion. Photos, product specifications and prices are for reference only.
- Citibank shall not be responsible for any matters in relation to the related products or services provided by the Merchant. Merchant is solely responsible for all obligations and liabilities relating to such products or services and all auxiliary services provided by the Merchant. Merchant shall not be responsible for any matters in relation to the related products or services provided by Citibank. Citibank is solely responsible for all obligations and liabilities relating to such products or services and all auxiliary services provided by Citibank.
- Citibank and the respective merchants reserve the right to suspend, amend and/or terminate the offer(s) and change these Terms and Conditions from time to time without prior notice. Citibank and the respective merchant accept no liability for such suspension, amendment and/or termination.
- All matters and disputes are subject to the final decision of Citibank and the respective merchant.
- In the event of any discrepancy between the English and Chinese versions of these terms and conditions, the English version shall prevail. If there is any discrepancy between the promotional materials and these terms and conditions, these terms and conditions shall apply and prevail.The promotion is subject to terms and conditions by Citibank and the Merchant (www.theclub.com.hk/en/terms-and-conditions.html and https://shop.theclub.com.hk/terms-and-conditions). Citibank and the Merchant reserve the right to amend the terms and conditions without prior notice. All matters and disputes are subject to the final decision of Citibank and the Merchant.
- The referenced document provides information about, and access to accounts and financial services provided by Citibank (Hong Kong) Limited and Citibank, N.A. Hong Kong Branch in Hong Kong. It does not, and should not be construed as, an offer, invitation or solicitation of services to individuals residing outside of Hong Kong. This referenced document is not intended for distribution to, or use by, any person in any country where such distribution or use would be contrary to local law or regulation, and none of the services or investments referred to in this referenced document are available to persons resident in any country where the provision of such services or investments would be contrary to local law or regulation
- The Promotion is not applicable to: Individuals resident in the European Union, European Economic Area, Switzerland, Guernsey, Jersey, Monaco, San Marino, Vatican, The Isle of Man, United Kingdom, Brazil, New Zealand, Jamaica, Ecuador, Sri Lanka, Peru, Turkey, United Arab Emirates, and Bangladesh.
- The Promotion is not applicable to: Individuals with permanent residency in the European Union, European Economic Area, Switzerland, Guernsey, Jersey, Monaco, San Marino, Vatican, The Isle of Man, and United Kingdom.
- This Program is not applicable to U.S. persons.
- In case of any fraud/abuse/reversal or cancellation of transactions in respect of which any offer was awarded, Citibank reserves the right to cancel or reverse the offer/award without prior notice.
- No person other than Citibank and eligible Cardholders will have any right under the Contracts (Rights of Third Parties) Ordinance to enforce or enjoy the benefit of these terms and conditions.
- These terms and conditions are governed by and construed in accordance with the laws of the Hong Kong Special Administrative Region.
“Enjoy HK$250 Instant Discount with Extra Reward of 500 Clubpoints at The Club” (“Offer”) Terms and Conditions
- The promotion period of this Offer is from 17 September 2026 to 31 October 2026, both dates inclusive, or in accordance with Clause 3 when the quota for the Offer (“Promo Code Quota”) has been used up, whichever is earlier ("Promotion Period"). The Promo Code Quota for the entire Promotion Period is 1,150 among which (1) the Promo Code Quota for the period of 17 September 2026 to 30 September 2026 (both dates inclusive) shall be 575 and (2) the Promo Code Quota for the period of 1 October 2026 to 31 October 2026 (both dates inclusive) shall be 575. If there is any unused Promo Code Quota from the period of 17 September 2026 to 30 September 2026, any such unused Promo Code Quota will then be brought forward and added to the Promo Code Quota for the period of 1 October 2026 to 31 October 2026 without prior notice. All Eligible Transactions (based on transaction dates, as defined in Clause 5) must be conducted during the Promotion Period.
- The Offer is only applicable to products listed on The Club’s Shopping & Rewards Platform (shop.theclub.com.hk) and The Club Mobile Application (collectively, “The Club Online Platform”).
- Subject to these Terms and Conditions, and Promo Code Quota availability, a Cardholder who meets all of the following conditions during the Promotion Period with an Eligible Card (“Eligible Cardholders”) is entitled to (1) an instant discount amount of HK$250 (“Instant Discount Amount”) (which shall be applied to the relevant Eligible Transaction (as defined in Clause 5) at the time of check-out and payment on The Club Online Platform) and (2) extra 500 Clubpoints (the “Extra Clubpoints Reward”)
Condition 1: Make an Eligible Transaction (as defined in Clause 5) with an Eligible Card on The Club Online Platform of the Eligible Transaction Amount (as set out in the table below); and
Condition 2: Use the Designated Promo Code “CITI2026F” as set out in the table below on the checkout page of The Club Online Platform for the Eligible Transaction which meets Condition 1; andEligible Transaction Amount (HK$) Extra Clubpoints Reward Instant Discount Amount (HK$) Designated Promo Code Promo Code Quota during the Promotional Period 9,500 or above 500 Clubpoints 250 CITI2026F 1150^
^ Being 575 quotas for the period of 17 September 2026 to 30 September 2026 (both dates inclusive), and 575 quotas for the period of 1 October 2026 to 31 October 2026 (both dates inclusive) (subject to the adjustment as set out in Clause 1)
Condition 3: If Eligible Cardholders have completed Condition 1 and Condition 2 as illustrated above and use “Spend Less with Clubpoints” function and/or The Club Cash Voucher on the checkout page of The Club Online Platform to offset any part of the transaction amount under the Eligible Transaction which fulfils Conditions 1 and 2, the final net transaction amount settled with the Eligible Card must be no less than HK$5,000. - Extra Clubpoints Rewards will be credited to the Eligible Customer’s The Club membership account on or before 30 November 2026. The Eligible Customer’s The Club membership must still be valid at the time of crediting the Extra Clubpoints Rewards and there will be no notification for such credit.
- An "Eligible Transaction" (“Eligible Transaction”) refers to a single-order transaction after all applicable deductions, discounts and offers provided by the Merchant. For the avoidance of doubt, the Eligible Transaction Amount includes the transaction amount deducted through the use of “Spend Less with Clubpoints” function and/or The Club Cash Voucher in accordance with Condition 3 of Clause 3, but excludes any subsequently reversed / autopay transactions / unposted transactions / bill payment transactions of any means as specified by the Bank from time to time / falsified / invalid / cancelled / refunded and/or returned purchases, all payment via eWallet or third party payment applications/ platforms (include but not limited to PayMe, Apple Pay, Google Pay, Samsung Pay, WeChat Pay and AlipayHK), shipping or delivery fee, any value deducted through (i) the use of The Club Gift Card, (ii) rebate, (iii) use of any coupon code including but not limited to Club Shopping coupon and e-Voucher and (iv) other discount offer; and/or any other type of transaction as determined by Citibank and the Merchant from time to time. Split transactions are not accepted. Two or multiple transactions will not be aggregated for the purpose of calculating the Eligible Transaction Amount.
- Only one promo code can be applied per Eligible Transaction. During the entire Promotion Period, each The Club account can use the Designated Promo Code ONCE only, subject to the quota, on a first-come-first-served basis while the quota lasts. In the event that the quota has been used up, relevant notice may or may not be displayed on The Club Online Platform and/or the Bank’s promotional website. When all quota for the Offer is used up, the Offer shall be ended immediately without prior notice.
- If an Eligible Cardholder requests a cancellation or refund (whether partial or in full) for any order to which the Offer has been applied and after such cancellation or refund (whether partial or in full), and the final order amount is less than the Eligible Transaction Amount (i.e. HK$9,500), the entitlement to the Instant Discount Amount and the Extra Clubpoints Reward of 500 Clubpoints under the Offer shall be forfeited. In such event, the Merchant shall be entitled to first deduct the corresponding value of the Instant Discount Amount from any refund to the Cardholder. If at the time of refund, the Extra Clubpoints Reward of 500 Clubpoints has already been provided to the Eligible Cardholder, The Club will clawback the extra Clubpoints reward. Under such circumstances, the Bank and The Club shall have the sole discretion to decide whether the Eligible Cardholder will be able to use the Promo Code to enjoy the Offer again subsequent to any reversal, cancellation or refund. Please contact the Bank or The Club for details.
- No registration is required for the Offer.
- No Clubpoints will be awarded to The Club Member for the Instant Discount Amount applied under this Offer.
- The Offer is provided by Citibank. For enquiries on this promotion, please contact The Club’s CS hotline at 1833000.
- The Club is not the provider of the Offer and/or the Eligible Card. The Club does not represent Citibank and makes no representations, warranties or guarantee as to the quality and/or suitability and/or availability of and accepts no liability for any matters arising from or in relation to the Offer and/or the Eligible Card, including without limitation any direct, indirect or consequential losses for any matters arising therefrom or in connection therewith (such as the use or enjoyment, or the inability to enjoy and/or use the Offer and/or the Eligible Card).
To borrow or not to borrow? Borrow only if you can repay!







