Remarks：

1. 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.
2. Cardholders who successfully apply for an Eligible “FlexiBill” or “PayLite” Installment Loan with an Eligible Card during the Promotional Period (“Participants”) will be entitled to (i) HK$50 Wellcome Supermarket Cash Coupon (“Cash Coupon”) for a booked amount from HK$3,000 to HK$4,999.99 in a single application (ii) HK$50 Cash Coupon for each HK$5,000 booked in a single application. If the participants successfully apply for an Eligible “FlexiBill” or “PayLite” Installment Loan with an Eligible Card through Citi Mobile^® App, the participants will be entitled to additional HK$50 Cash Coupon for each HK$5,000 booked in a single application.
3. Eligible “FlexiBill” and “PayLite” Installment Loan only includes the first 8,000 “PayLite” Installment Loan in relation to any individual transaction made by Citibank banking account/ATM/Debit Card and “FlexiBill” and “PayLite” Installment Loan in relation to the Credit Card current statement balance or a portion of the current statement balance or any individual transaction with approved loan amount of HK$3,000 or above and a minimum tenor of 12 months with an Eligible Card within the Promotional Period, and does not include Citi Credit Card “PayLite” Installment Plan for iPhone for Life.
4. The Promotion is only applicable to selected cardholders of Citi Credit Cards issued by Citibank who are offered the Monthly Flat Rate Plan under Citi Credit Card “FlexiBill” and “PayLite” Installment Program.
5. For definitions of Eligible Retail Transactions and Ineligible retail transactions, please refer to the Terms and Conditions.
6. Basic reward applies to tax payment paid through Citibank Online Banking or Citi Mobile App (including Citi PayAll).
7. New Users of Citi PayAll refer to Eligible Cardholders who have never completed Citi PayAll transaction during May 1, 2021 and October 31, 2022. Cardholders must settle full Tax Payment through Citi PayAll in order to enjoy the extra Spending Rebate from Citi PayAll New User Offer. For the avoidance of doubt, Cardholders who settle partial Tax Payment through Citibank Online Banking or “Pay Bills” on Citi Mobile App would NOT be able to enjoy the extra Spending Rebate from Citi PayAll New User Offer. Citi PayAll is not applicable to Citi Rewards UnionPay Card.
8. The processing of a tax payment transaction will take at least 4 to 5 working days. The tax payment transaction is subject to Eligible Card account status checking, the available credit limit and the final discretion of Citibank.
9. Service fee may be charged for each Citi PayAll new setup. The fee will be reflected on “Review & Confirm” page upon payment setup, and it applies to the recurred payments thereafter under the same setup. During the enrollment, Cardholders may choose to pay service fee as shown on the page and earn rewards on Eligible Card ("basic credit card rewards") subject to the relevant rewards program terms and conditions. Cardholders may also choose to enjoy zero service fee but no basic rewards earned from the respective transaction. Transactions with zero service fee will still be eligible for the extra Spending Rebate.

“Pay tax and get up to HK$600 Spending Rebate Promotion” Terms and Conditions

1. Unless otherwise specified, this Promotion is valid from November 1, 2022 till February 28, 2023, both dates inclusive ("Promotion Period"). All payments and Eligible Retail Transactions (as defined in Clause 13) (based on transaction date) must be completed within Promotion Period. For payments through Citi PayAll service, eligibility for the offer is based on Payment Due Date. For future dated, monthly and weekly payments, Payment Due Date must be at least 4 Business days (Monday to Friday, except public holiday) (“Business Days”) after the date of payment setup. For instant Payment, the Payment Due Date is the same as Payment Setup Date. Capitalised terms and expressions used in these Terms and Conditions shall have the same respective meanings as defined in the Citi PayAll Service Terms and Conditions unless the context requires otherwise.
2. This Promotion applies to cardholders ("Cardholders") of Citi Credit Card issued by Citibank (Hong Kong) Limited ("Citibank") ("Eligible Cards"). Citi PayAll is not applicable to Citi Rewards UnionPay Card.
3. This Promotion is only applicable to the Eligible Retail Transactions and the payment of Salaries Tax for the 2021/2022 tax year made with any Eligible Card accounts during the Promotion Period ("Tax Payment"). Payments for Tax Reserve Certificates, Business Registration or Stamp Duty are not applicable.
4. To be eligible, Cardholders are required to make successfulregistration once via one of the following channels within the Promotion Period: (1) register at citibank.hk/taxpay; OR (2) register via Citi Mobile App (“Registered Cardholders:”). Principal Cardholders of Eligible Cards are required to register one of the credit card accounts of his/her Eligible Cards ("Registration"). Only the first 15,000 successfully registered Cardholders are eligible to participate in this promotion (“Registered Cardholder”). Upon Registration, all Eligible Card accounts under the same principal Cardholder will be automatically registered. Registration with supplementary card is not accepted.
5. Citibank will not accept any liability in relation to any loss of rewards / payment delay incurred due to an incorrect information being provided by the Eligible Cardholder (defined below).
6. Registered Cardholders will be entitled to Spending Rebate (“Spending Rebate”) upon accumulating Eligible Retail Transaction of HK$1,000 or above during the Promotion Period with any Eligible Cards and making accumulated Tax Payment with any Eligible Cards through Citibank Online Banking, Citi PayAll on Citi Mobile App or “Pay Bills” on Citi Mobile App (“Accumulated Tax Payment Amount”) to meet the respective tax payment amount listed below (“Eligible Cardholders”). Please refer to the below table for details:

   Spending Requirement within the Promotion Period to enjoy this Promotion	Accumulated Tax Payment Amount	Entitled Spending Rebate for tax payment made through Citibank Online Banking, Citi PayAll on Citi Mobile App or “Pay Bills” on Citi Mobile App	Extra Spending Rebate for New Users of Citi PayAll who made tax payment through Citi PayAll on Citi Mobile App (“Citi PayAll New User Offer”)*
   Accumulate Eligible Retail Transaction (as defined in Clause 13) spend of HK$1,000 or above
   	HK$30,001-HK$50,000	N/A	Extra HK$100
   	HK$50,001-HK$100,000	HK$100
   	HK$100,001-HK$200,000	HK$250
   	HK$200,001 or above	HK$500

   ^*“New Users” of Citi PayAll refer to Eligible Cardholders who have never completed Citi PayAll transaction during May 1, 2021 and October 31, 2022. Cardholders must settle full Tax Payment through Citi PayAll in order to enjoy the extra Spending Rebate from Citi PayAll New User Offer. For the avoidance of doubt, Cardholders who settle partial Tax Payment through Citibank Online Banking or “Pay Bills” on Citi Mobile App would NOT be able to enjoy the extra Spending Rebate from Citi PayAll New User Offer.
7. Each Eligible Cardholder (including the holder of principal and supplementary card(s) under the same Eligible Card account; and/or those holding more than one principal Eligible Cards) is subject to a maximum of HK$600 Spending Rebate throughout the entire Promotion Period. Transactions made with Eligible Card(s) by the same Eligible Cardholder (including all principal and supplementary card(s) of Eligible Cards) will be combined.
8. The processing of a tax payment transaction will take at least 4 to 5 working days. The tax payment transaction is subject to Eligible Card account status checking, the available credit limit and the final discretion of Citibank.
9. Service fee may be charged for each Citi PayAll new setup. The fee will be reflected on “Review & Confirm” page upon payment setup, and it applies to all recurring payments thereafter under the same setup. During the enrollment, Cardholders may choose to pay service fee as shown on the page and earn rewards on the relevant Eligible Card ("basic credit card rewards") subject to the relevant rewards program terms and conditions. Alternatively, Cardholders may choose to enjoy zero service fee but no basic credit card rewards earned from the respective transaction. Transactions with zero service fee will still be eligible for the extra Spending Rebate.
10. For future dated, monthly and weekly payments, Citi Credit Card will be charged and debited (with handling fee, if any) at least 2 Business Days prior to the Payment Due Date. For instant Payment, Citi Credit Card will be charged on the same day instead, and the Payment Charged Date will be the date of the instant Payment. Tax payment made through PayAll after 3:30 pm (Hong Kong time) on Monday to Friday, or anytime on Saturday, Sunday and Public Holiday will be handled on next Business Day. Cardholders are responsible for making sure their credit limit is sufficient for the Payment. Temporary credit line increase is not applicable for payments through PayAll. Each purpose of payment may subject to a monthly cap, please refer to citibank.hk/PayAll for details.
11. Cancellation / Changes of the tax payment transaction are not allowed once confirmed. In any circumstances that the tax payment cannot be processed, Citibank is not responsible or liable for any claim or loss, and delay in refund of credit balance from the Inland Revenue Department unless it results from any negligence or willful default on Citibank’s part.
12. Any unposted, cancelled or reversed Citi PayAll transactions will not be eligible for any rewards or offers under this promotion.
13. Eligible Retail Transactions include posted retail transactions and monthly installments of newly billed interest free installment plans that are posted during the Promotion Period conducted in Hong Kong or overseas made with any Eligible Card accounts or via Apple Pay, Google Pay or Samsung Pay during the Promotion Period. Ineligible retail transactions including but not limited to “Dynamic Currency Conversion transactions”, i.e. transactions with conversion from a foreign currency into Hong Kong Dollars involved at the point of the transaction, Octopus Automatic Add Value Service transactions, Octopus Add Value through Mobile Payment such as Apple Pay, purchase of cash vouchers, purchase/add value of gift cards, purchase/reload of stored value cards, traveler’s checks, foreign exchange transactions using Credit Card (for example but not limited to Forex.com, etc.), withdrawal amount/loan amount under the Balance Transfer Program, Cash Conversion Program, “PayLite” Installment Program and “FlexiBill” Installment Program, Quick Cash Installment Program, payment to the Inland Revenue Department, bill payment, utilities bill made with credit card via internet banking or online payment system, all payments made by Citi PayAll, auto payment and recurring transactions, mutual funds payment, fees & charges, insurance transactions, casino transactions, unposted/cancelled/refunded transactions, other unauthorized transactions and fraud and abuse transactions are not eligible for this promotion.
14. Cardholders who have registered during the Promotion Period and subsequently have their respective Eligible Card(s) replaced, renewed (Inclusive of renewal from Visa Card to a Mastercard), report lost / stolen, all the eligible transactions made on the corresponding newly issued Eligible Card due to the aforementioned scenarios will be automatically combined with the eligible transactions made with the original Eligible Card, with no additional registration required.
15. Citibank will determine the eligibility of Cardholders to participate in this promotion as well as Eligible Retail Transactions and Accumulated Tax Payment Amount based on Citibank's record and at the sole and absolute discretion of Citibank. If transactions are confirmed to be qualified for Spending Rebate rewarded after verification by Citibank at its sole and absolute discretion, the corresponding Spending Rebate will be automatically credited to the Eligible Card account with the last tax payment completed during the Promotion Period (or the corresponding newly issued Eligible Card as referred to Clause 14) and shown in the monthly statement on or before April 30, 2023.
16. Citi PayAll Service Terms and Conditions apply to all payments through Citi PayAll service.
17. Terms and Conditions for Citi Credit Card “FlexiBill” Installment Program and Citi Credit Card “PayLite” Installment Program, Terms and Conditions for “Turn your Citibank banking account/ATM/Debit Card transaction or Credit Card statement balance or transaction to installments and earn up to 2% unlimited rewards each time!”, Terms and Conditions of “Citi Credit Card ‘FlexiBill’ Installment Program and Citi Credit Card ‘PayLite’ Installment Program TopUp Cash Coupon Offer”, Terms and Conditions for “Selected customers to enjoy unlimited chances to get One-Time Booking Fee Rebate for One-Time Booking Fee Plan” and/or Terms and Conditions for “Credit Card Credit Limit Increase Cash Coupons Offer” apply to relevant offers.
18. Registered Cardholders’ Eligible Card accounts must be valid and with good credit record during the Promotion Period and at the time of receiving the Spending Rebate in order to be eligible to receive any Spending Rebate otherwise Citibank reserves the right to forfeit the Spending Rebate without prior notice.
19. Cardholders must keep and submit the relevant original credit card sales slips and original merchant sales receipts in respect of the Eligible Retail Transactions for inspection upon request by Citibank. All documents submitted to Citibank will not be returned.
20. In case of any fraud/abuse/reversal or cancellation of transactions in respect of which the Spending Rebate was awarded, Citibank reserves the right to debit the amount from the same or other Citi Credit Card account(s) without prior notice.
21. Citibank reserves the right to amend these terms and conditions or withdraw or terminate this promotion at its discretion without prior notice and Citibank accepts no liability for such amendment, withdrawal or termination. All matters and disputes are subject to the final decision of Citibank.
22. 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.
23. No person other than eligible Cardholders and Citibank will have any right under the Contracts (Rights of Third Parties) Ordinance to enforce or enjoy the benefit of these terms and conditions.
24. These terms and conditions are governed by and construed in accordance with the laws of the Hong Kong Special Administrative Region.