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Citi Credit Cards Terms and Conditions - Citibank

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1 Citi Credit Cards Terms and Conditions (or Citibank Credit Card Terms and Conditions or Citibank Card Terms and Conditions) Effective 27 January 2021
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Page 1: Citi Credit Cards Terms and Conditions - Citibank

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Citi Credit Cards

Terms and Conditions (or Citibank Credit Card Terms and Conditions or Citibank Card Terms and Conditions)

Effective 27 January 2021

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Welcome and thank you for applying for a Citi Credit Card. These terms and conditions make up your Citi Credit Card agreement with us. They are split into:

(a) Part 1 which contains general terms about your Card Account; and

(b) Part 2 which sets out more specific terms.

Please read this document carefully together with any other documents or information that may be provided by us, as necessary, and reach out to us if you need clarification on these terms and conditions.

You accept our offer to enter into this Citi Credit Card agreement, and agree to the terms of this agreement, by:

(a) activating your Card Account or Card; or *Note: Activation includes activation of Citibank temporary card verification value (“CVV”) access which enable the Cardholder to use the Card details to perform selected transactions including online transactions, recurring payments set-up, e-wallet transactions, and payments through Samsung Pay digital wallet provisioning pending the arrival and activation of the physical card.

(b) retaining and using the Card (including for Recurring Card Instructions, online transactions, recurring payments set-up, e-wallet transactions, and payments through Samsung Pay digital wallet provisioning),

(whichever comes first).

Your confirmation on any transaction record, sales draft, credit vouchers, cash withdrawal slip, charge record and/or return of acknowledgement of receipt slip with or without your signature will be conclusive evidence of your acceptance of this agreement. As such, you should read and understand this document before doing so.

We may vary, revise or change this agreement from time to time and at any time. If we do so, we will give you adequate prior written notice. You are deemed to have unconditionally accepted such changes if you retain or use your Card after the effective date of such changes.

Note to Cardholders with Credit Shield Insurance

If you have an existing Credit Shield insurance coverage on your existing Card, the same coverage will extend to you if your existing Card is upgraded, replaced or renewed (including change in Card Account number and/or Card number, if any) (unless such Credit Shield insurance coverage has been terminated).

Worried about Card security or an unauthorised transaction?

Contact us straight away if you suspect that a Card, Security Code or Device has been lost or stolen, or if you think there has been an unauthorised transaction on your Card Account. Our contact details are set

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out in Section 9 "What to do if you suspect the security of your Card, Security Code or Device has been breached or an unauthorised transaction has occurred" and on our website.

Section 22 "Further information about security and liability for transactions" also provides further information regarding security requirements, lost or stolen cards and unauthorised transactions.

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Table of contents 1. What do those words mean? .................................................................................................... 5

2. Your Card and Card Account ..................................................................................................14

3. Credit and other limits that apply to your Card ....................................................................19

4. Supplementary Cardholders ...................................................................................................24

5. Fees, charges and interest ......................................................................................................26

6. Credit card statements ...........................................................................................................30

7. Payments ..................................................................................................................................32

8. Errors, disputed transactions, chargebacks and refunds ...................................................36

9. Security and liability ................................................................................................................38

10. Default, block, closure and cancellation ...............................................................................40

11. Changes we can make to your agreement ............................................................................41

12. Other things you need to know ..............................................................................................41

13. Accessing and using your Card Account with our digital banking services and CitiPhone Banking ............................................................................................................49

14. Unacceptable Transactions and Transaction Limits ............................................................53

15. Additional terms about Interest ..............................................................................................53

16. Additional terms about payments to your Card Account ....................................................54

17. Balance Transfer ......................................................................................................................55

18. Fixed Payment Options and Other Special Promotions or Citi Credit Card Products ....................................................................................................................................57

19. Additional information about the types of payments you can make from your Card Account ...................................................................................................................68

20. Additional information on transactions through your Card ................................................74

21. Citi Rewards Points, and PremierMiles .................................................................................75

22. Further information about security and liability for transactions .......................................75

23. Additional information about defaults and the consequences ...........................................77

24. Further information about closure, blocking or cancellation of your Card Account or a Card ....................................................................................................................83

25. Further information about changes we can make to this agreement .................................86

26. Additional information you need to know .............................................................................88

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Part 1: General Terms and Conditions

1. What do those words mean?

This section sets out the meaning of some of the words used in this agreement.

Term Meaning

Account(s) Any one or more accounts which you open (or which we open on your behalf) and maintain with us from time to time (being any type of category, and whether opened in single or joint name(s) or in trust and where the context indicates or so permits, includes Card Account and/or Other Bank Accounts) and “Account” means any of them.

American Express American Express Limited, a corporation with its principal office at American Express Tower, 200 Vesey Street, New York NY 10285, and includes its successors-in-title and assigns. American Express® is a trademark of American Express. This Card is issued by Citibank Berhad pursuant to a license from American Express.

Authorities Any competent regulatory, prosecuting, tax or governmental authorities in any jurisdiction, domestic or foreign.

Balance Transfer or BT The Balance Transfer Plan offered by us, which permits cardholders to transfer the whole or part of the outstanding balance from any principal card account from any Other Licensed Institutions (as defined in Section 17) to any Citibank Card Account held by you such that we may pay the whole or part of the outstanding balance with Other Licensed Institutions on your behalf by debiting the Card Account.

Balance Transfer Program via Instalment Plan or BTI

The Balance Transfer Program via Instalment Plan offered by us, which allows you to transfer the whole or part of your outstanding balance with other licensed banking institutions to any Citibank Card Account held by you and convert it to a monthly instalment plan together with applicable interest and fees (if any).

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Business Day Any day on which banks are open for business in Malaysia but does not include any Saturday, Sunday and gazetted public holiday in Malaysia.

Bank Negara Malaysia or BNM

The Central Bank of Malaysia.

Card or Credit Card Any credit card (including a physical, digital or virtual card i.e. without plastic), contactless device or other device (including a code or account number to be used for a transaction) issued by us to permit you to obtain credit under these terms and conditions.

Card Account The account we open in your name to record transactions under this agreement including Mastercard® Account, VISA Card account, and/or American Express Card account.

Cash Advance A Cash Advance is:

1. a transaction made on your Card Account where cash or its equivalent is obtained; and

2. anything else which, due to the nature of the transaction, we indicate to you is a Cash Advance.

Cash Advance Balance The outstanding amount at a given point in time of Cash Advances, fees related to Cash Advances and interest relating to each of them.

Cash Advance Interest The interest rate we specify from time to time that applies to the Cash Advance Balance.

Cardholder Refers to the Principal and/or Supplementary Cardholder (as the case may be). In the premise, the words “Principal Cardholder” mean the holder of the principal Card and the words “Supplementary Cardholder” mean the holder of the supplementary Card.

Citi FlexiBill (previously known as Balance Conversion)

A credit card facility that allows you (if eligible) to convert your outstanding Current Balance or a portion of it which has not passed its Payment Due Date to a monthly instalment plan with applicable interest and other fees as stated in these terms and conditions.

Citigroup The Bank, the Bank’s head office, branches, representative offices and any subsidiaries, affiliated or associated companies of, or related entities controlled directly or indirectly by Citigroup

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Inc. and any of their respective branches and offices, wherever situated.

Citigroup Organisation Any affiliate or subsidiary of Citigroup Inc., present and/or future including any branches and/or representative officers of such affiliate or subsidiary.

Citi Mobile App A mobile banking application which enables you to access certain banking services on a mobile phone or other device via our mobile application that we tell you can be used to access your account.

Citibank Online The online banking service provided by us with an account registered in your name that permits you to access certain banking services via the internet.

Citi PayLite (previously known as FlexiPayment Plan)

An option which allows you to convert unbilled (transactions which have been debited in the Card Account but have not been recorded into the current monthly statement forming part of the Current Balance) eligible transactions, or a group of transactions, to a fixed monthly instalment plan which will be repaid together with the interest over it.

Citi PayLite for Banking Transaction

An option which allows you to convert eligible banking transactions from your CASA (excluding joint account) to a fixed monthly instalment plan on your Card, which will be repaid together with the interest over it. The converted amount will be deemed as a form of Cash Advance drawn from your Card (subject to available combined Credit Limit) and will be deposited via electronic funds transfer to your CASA from which the transaction originated.

CitiPhone Banking The telephone banking service provided by us that permits you to access certain banking services via the telephone.

Citi ThankYouSM Rewards Programme or Rewards Programme

The rewards programme through which Citi Rewards Points and Citi PremierMiles may be earned through the use of a specified rewards credit card issued by Citibank, and includes a supplementary credit card, if applicable. The Citi ThankYouSM Rewards Programme Terms and Conditions will govern the redemption of Citi Rewards Points and Citi PremierMiles.

Communication Has the meaning afforded to it in Section 26.17 below.

Credit Limit The limit of the credit granted by us to you under each Card.

Current Balance The outstanding balance or amount due as specified and appearing on your monthly statement.

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Customer Credit Limit The total credit limit extended to you to cover the use of all the Cards you hold, regardless of the existing applicable Credit Limit for each Card.

Device A physical device used with Electronic Equipment to access your Card Account, for example a Card, token, watch or biometric reader.

digital banking services Digital banking services provided by us which allow you to access your account via the internet or our mobile application. This includes the Citi Mobile App and Citibank Online.

Electronic Equipment Includes ATM and point-of-sale terminals, hardware capable of connecting to the internet and which can perform transactions (e.g. mobile phones, tablets and wearable technology) and which are accepted for use by us.

Finance Charges / Interest Rate

The finance charges referred to under Section 5.9 below.

Fixed Payment Option A facility offered to you by us to be paid off by way of monthly instalments over a specified period of time for: (i) the purchase of goods and services for the participating merchants; (ii) the repayment of outstanding Card balances; or (iii) cash loan taken against the Card line of credit as specified under Section 18 below.

Fixed Payment Option Amount

The amount owed under this agreement that is to be paid off under a Fixed Payment Option.

Fixed Payment Option Balance

The outstanding amount of Fixed Payment Option Amount, fees related to Fixed Payment Option Amount and interest relating to each of them.

Fixed Payment Option Interest Rate

The applicable interest rate under the Fixed Payment Option.

Fixed Payment Option Tenure

The period over which instalments under a Fixed Payment Option are to be paid. If the Fixed Payment Option is cancelled earlier, the Fixed Payment Option Tenure ends at that time.

GIRO The Citibank Inter-bank GIRO service effected through the Inter-bank GIRO System.

Identifier Information about the Card Account or Card that must be provided by you or a Supplementary Cardholder to perform a transaction and is known to you or a Supplementary Cardholder

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but need not be kept secret, for example a Card Account number, or Card number or Card expiry date.

Inter-bank GIRO System A funds transfer payment system operated by Payment Network Malaysia Sdn. Bhd. (including its successors in title and assigns) to allow you to request your bank to make inter-bank payments or collect payments to either your own account or any third party account(s) maintained with any bank or financial institution (other than Citibank) licensed under the Financial Services Act, 2013 (as may be amended or superseded from time to time) carrying on banking business or banking and finance company business in Malaysia which is a participant to the Inter-bank GIRO System.

Interest Free Period A period during which we agree we will not charge interest on all or part of any given Current Balance as set out in Section 15 below.

Mastercard/ Mastercard International

Mastercard International Incorporated, a company registered as per the laws of Delaware, U.S.A. and whose office is situated at 2000 Purchase Street, Purchase NY 10577-2509 and includes its successors-in-title and assigns.

Minimum Monthly Payment

The minimum monthly payment as defined in Section 7.10 below that you must pay in respect of your Card by the Payment Due Date.

Mobile Token 6-digit Pin created by you on Citi Mobile App to generate One Time Pin (OTP).

Monthly Instalment The monthly repayment under a Fixed Payment Option (including monthly instalments for auto balance conversion, easy payment plan, credit card instalment plan and other instalment plans available from time to time) which are due by you to us in accordance with the terms and conditions of the products implemented, amended and/or substituted by us, as shown in the monthly statement or in any other notice communicated by us to you.

Other Bank Accounts Your other bank account or accounts with us apart from your Card Account and includes your joint account with a third party (if any).

One Time Pin or OTP One Time Pin (OTP) is a unique, randomly generated, single use PIN. The OTP can be generated through the Citi Mobile App via Mobile Token or sent to you via SMS to your nominated mobile phone number.

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Overlimit The permitted transaction which is exceeding your Credit Limit or Customer Credit Limit as defined in Section 3.24 below which you have agreed to and/or requested for.

Overlimit Amount The amount by which the Current Balance exceeds your Credit Limit or Customer Credit Limit and/or the amount by which the Supplementary Cardholder exceeds his/her assigned Supplementary Card(s) limit (if a separate credit limit is assigned).

Payment Due Date The date your monthly payment is due as set out in your credit card statement.

Payment Infrastructure Provider

A third party that forms part of the global payment system infrastructure, including without limitation communications, clearing or payment systems, intermediary banks and correspondent banks.

Payment Facility Cards, digital banking services, CitiPhone Banking, Recurring Card Instructions and any other facility we offer you to access and/or operate your Card Account.

PIN The personal identification number selected by you for use with a Card.

PremierMiles The Citi PremierMiles earned through use of the Citi PremierMiles Card which is subject to the Citi ThankYouSM Rewards Programme Terms and Conditions.

Quick Cash An option which allows you to draw down an amount from your Credit Card in the form of cash (by cheque or by electronic funds transfer to your nominated bank account) which amount you then repay together with interest over a number of fixed monthly instalments.

Recurring Card Instruction An instruction from or authorised by you or a Supplementary Cardholder to a merchant to charge amounts to the Card using the Card number on an ongoing basis.

Rewards Points The points earned by you on eligible transactions (such as retail transactions) under the Citi Rewards Programme which are subject to the Citi Rewards Programme Terms and Conditions.

Security Code A password or code that may be required to authenticate a transaction made by you or the Supplementary Cardholder and which is to be kept secret by you or a Supplementary Cardholder. A security code may consist of numbers, letters, a combination of both, or a phrase or other credential but does not include a

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number printed on a device (e.g. a security number printed on a credit card). Examples of security codes include a PIN in respect of a Card, T-PIN for telephone banking, internet banking password, Mobile Token, One-Time Pin (OTP) or any other password or information used to access the Card Account and which is known to you or the Supplementary Cardholder and which we require you or the Supplementary Cardholder to keep secret. It does not include an Identifier.

Special Promotion Any transaction or amount that we identify as being subject to a special promotion for the period to which that special promotion applies to the transaction. It includes a Balance Transfer and a Fixed Payment Option Amount during the Fixed Payment Option Tenure or Quick Cash with special interest rate during the promotion period together with related fees and interest and anything else which we indicate is a Special Promotion Rate.

Special Promotion Balance The outstanding amount of Special Promotions, fees related to Special Promotions and interest relating to each of them.

Statement Period The period to which a credit card statement applies, usually about a month.

Supplementary Cardholder

Another person who you have nominated to have an additional Card on your Card Account.

Taxes All taxes, levies, imposts, charges, assessments, deductions, services tax, value added taxes, tax on the sale or disposition of any property, duties, withholdings and related liabilities, including additions to tax, penalties and interest imposed on or in respect of any products and/or services you have taken from the Bank; provided that “taxes” does not include income or franchise taxes imposed on or measured by the net income of Citibank or its agents.

Third Party Service Provider

A third party selected by Citigroup Inc, Citigroup Organisation, we and/or their/our officers, directors, employees, agents, representatives and/or professional advisers, to provide services to them/it and who is not a Payment Infrastructure Provider. Examples of Third Party Service Providers include technology service providers, business process outsourcing service providers and call centre service providers.

Total Cash Limit The total amount of Cash Advances that at a given time can be made on your Card Account (as a percentage of your Credit Limit). This information can be found on your Citibank Online or Citi Mobile App or any other means defined by us.

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T-PIN A telephone personal identification code or number set up by you that may be required to access your account by telephone.

Unacceptable Transactions

Has the meaning given to it in Section 14 "Unacceptable Transactions".

unauthorised transaction Any transaction made which is without your knowledge or consent.

Visa/Visa International VISA International Service Association, an association incorporated in the State of Delaware, United States of America with its registered office at 900, 901, 800, Metro Center Boulevard, Foster City, CA 94404-2172, United States of America of which we are a member institution and includes its successors-in-title and assigns.

you/your/yours/Customer All persons responsible for complying with these terms and conditions, including the Principal Cardholder, being an applicant of a Card and to open the Card Account, and the person to whom we address the monthly statement or statement of accounts and where applicable, includes the Supplementary Cardholder.

us/we/our/the Bank / Citibank

Citibank Berhad (Registration No. 199401011410 (297089-M)) the issuer of your Card under your Card Account.

Unless otherwise required by the context:

if a word or phrase is given a defined meaning, any other grammatical form of that word or phrase has a corresponding meaning;

a reference to this agreement or other document includes the agreement or other document as varied or amended;

a reference to a law includes a law as amended or replaced;

the words “includes”, “including” or "such as" do not limit the meaning of the words to which it relates;

a reference to a person or entity includes their successors or assigns;

notice includes written or non-written notices. Written notice refer to both paper and electronic forms such as e-mails, faxes, short message services (SMS) or its equivalent, digital images and copies, electronic notices capable of being stored and printed, and similar electronic versions. Non-written notice refer to telephone communication and/or verbal communication. Where required by law, any notice to be given by us shall be given adequately in advance and in writing;

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a reference to any right, entitlement, discretion, liberty or power which may be exercised or any determination which may be made under this agreement by us (including any opinion of, requirement by, and matter or circumstances acceptable to us, any determination of any period or duration of time by us and any objection issued by you) must be reasonably exercised by us or made in our reasonable discretion. To the fullest extent permitted by law, we are not obliged to give any prior written notice or reasons for such exercise or determination;

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2. Your Card and Card Account

Your eligibility to be a Principal Cardholder

2.1 You may apply for a Credit Card as a principal cardholder if you are at least 21 years old at the time of your application for the Card.

2.2 Supplementary card applicants are subject to different requirements. See Section 4 below on “Supplementary Cardholders” for further information.

2.3 You must also show that you meet the following minimum income requirements:

(a) if you are an individual card applicant, that your income is at least RM24,000.00 per annum or such other higher income requirement as we may determine; and/or

(b) if you are unable to prove your annual income but meet the minimum age requirement, we may as we deem fit, require you to place with us a fixed deposit of the amount equivalent to the Credit Limit or Customer Credit Limit granted to you, which must be maintained for as long as the Card has not been terminated by us or you.

2.4 If your income per annum is RM36,000.00 or less, and you already hold credit cards from two other credit card issuers, you will not be eligible for a Card. If your income per annum is RM36,000.00 or less, please also refer to Section 3 on the Credit Limit that may be applicable to you.

Annual Fees

2.5 An annual fee will be charged for your Card and any Supplementary Card(s). This annual fee is payable regardless of whether you use the Card. For details, please visit www.citibank.com.my to view the Fees and Charges table.

Getting started

2.6 We will give you a Card that can be used to make transactions on your Card Account.

2.7 Upon receipt of your Card, you undertake to sign on the signature strip on the back of the Card (using the same signature affixed on the application form).

2.8 You will also need to activate the Card before it can be used. You will be prompted to activate your Card and create a PIN. You can create your PIN via secured online channels i.e. Citi Mobile App or Citibank Online or via interactive voice response (“IVR”) channel or any other secured channels specified by us and within the period notified by us.

2.9 You must:

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(a) create a PIN within the time frame determined by us; and

(b) treat your PIN as strictly confidential and you must not disclose your PIN to

any person under any circumstances or by any means, whether voluntarily or otherwise.

2.10 Your Card Account will also be activated when the Card is first activated.

2.11 You can:

(a) make transactions on your Card Account by using your Card. Ways to use your Card include:

(i) paying for purchases of goods and/or services using your Card with merchants in store, by phone or online which are charged to your Card Account;

(ii) getting cash at an ATM, which is a type of Cash Advance transaction which will be debited to your Card Account;

(iii) utilizing other facilities offered by us, subject to prior arrangement with us; and

(iv) setting up Recurring Card Instructions (also known as Auto-Billing);

(b) obtain further information about using your Card. This can be done through our digital banking services.

2.12 Except for newly approved Cards where you need to activate your Card before using, for upgraded, replacement, renewal of Cards or issuance of new Cards (including change in Card Account number and/or Card number, if any), even if you do not sign on your Card or activate your Card, you must comply with this agreement. This would include that you must pay us all balances due on your Card Account. Save for clear evidence of fraud, forgery, unauthorised transaction and/or manifest error, any sales slip or draft, receipts or credit vouchers or any record of advances, transaction, charge, disbursements or withdrawals or any other transaction records with or without signature shall be binding and conclusive evidence that you have incurred such amounts.

Using your Card and Card Account

2.13 At all times, all Cards remain our property and must be surrendered to us immediately upon our request, or the request of our duly authorised agent. Circumstances where the Card need to be surrendered to us include cancellation or termination of Card account, cancellation or expiry of the Card, or when your or the Supplementary Cardholder’s authority to operate the Card is terminated.

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2.14 Only you or the Supplementary Cardholder are permitted to use your Card Account and the Card. Using the Card includes using any of the information or details shown on the Card. A Card must not be used by anyone other than the person whose name is on that Card (which will be you or the Supplementary Cardholder as the case may be). Any Security Code must not be used by anyone other than the person to whom it was issued (which will be you or a Supplementary Cardholder as the case may be).

2.15 When a purchase or other transaction is made on your Card Account by you and/or your Supplementary Cardholder(s), you are liable for those purchases or other transactions (subject to any exceptions set out in Section 22 “Further information about security and liability for transactions”).

2.16 We charge your Card Account with (and you then owe us) the amount for all purchases or other transactions made on your Card Account, as well as interest, fees and any other amounts we can charge you under this agreement. You must pay us the amounts which you owe as set out in this agreement.

2.17 You and any Supplementary Cardholder must only use a Card during the validity period set out on it. A Card must not be used after it has expired, or is blocked or cancelled.

2.18 You and any Supplementary Cardholder must securely destroy any physical Card (i.e. plastic card) by cutting the Card into halves or several pieces across the magnetic strip and the microchip embedded in the Card (if any) so that those components are completely damaged under the following circumstances:

(a) at our reasonable request (such as when we suspect an unauthorised or fraudulent transaction has been completed using your Card); or

(b) when the Card Account is closed; or

(c) when the Card is cancelled or expired; or

(d) when your or the Supplementary Cardholder’s authority to operate the Card Account is terminated.

2.19 If you have cut up your Card as required above following the expiry of the Card, you may request for a new Card. It is up to our discretion whether to issue a new Card which discretion will be exercised reasonably. Please see the section below on “Card Issuance, Renewal or Replacement” for further information.

2.20 Your Card cannot be transferred to any other person.

2.21 You must not pledge your Card as security for any purpose.

2.22 Use of the Card is conditional upon there being no contravention of any prevailing laws, regulations or rules issued from time to time by Bank Negara Malaysia or such other Authorities that have jurisdiction over us (“any applicable law”).

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2.23 You represent and undertake at all times that our decision to approve, grant or make or continue to make available the Card to you will not contravene nor be in breach of any applicable law.

2.24 You represent and undertake at all times that the relevant Card Account, facility or other services provided by us will not be used for illegal or unlawful purposes;

How to use your Card for Transactions

2.25 Unless otherwise indicated by us, for Cash Advances or withdrawals via ATMs, you must dip your Card into the ATM slot, followed by entering your PIN.

2.26 For transactions at merchant terminals or any point-of-sale (POS) at which your Card is used, to permit you to receive authorisation for a Card transaction to purchase goods or services from a merchant, you are required to enter your PIN, where applicable.

2.27 In this respect, when you use your PIN:

(a) you agree that the PIN may be used to identify you and that you authorise the transaction; and

(b) you are deemed to have agreed to the transaction and have verified that the purchase(s) and the transaction amount(s) performed at the POS is/are correct and accurate.

2.28 Some Cards may have “contactless” features and can be used to make payment for goods or services with contactless readers, terminals or POS devices, by waving the Card or bringing the Card in proximity with such devices. Such contactless payment is subject to a predetermined maximum amount for each contactless transaction. These Cards and related devices may carry Mastercard “PayPass” or Visa PayWave logos and branding or such logos or brands which the Bank or Mastercard or Visa may decide from time to time. Unless informed otherwise, contactless transactions may not require:

(a) your signature on any sales slips, terminal or POS device;

(b) the microchip embedded in the Card, if any, to be read by such devices; or

(c) a PIN to authorise such transaction(s).

2.29 Notwithstanding that, you agree that we can, where reasonable, choose not to process a contactless transaction(s) even if such transaction(s) does not exceed the predetermined maximum amount for each contactless transaction or any amount specified by us or prescribed by Bank Negara Malaysia from time to time. If you wish to make a contactless payment above the predetermined maximum amount for each contactless transaction, you are required to enter your PIN (or any other accepted method for authorising the transaction) for transactions at merchant terminals or any POS at which your Card is used. If you wish to reduce the predetermined limit or disable

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contactless payment/ transaction feature, please contact us via Citiphone Banking or any other means as we may notify you from time to time.

2.30 You may use Citibank’s GIRO service through your Card. Please refer to Section 19 below on “Citibank GIRO Service” for the terms and conditions of such use.

Card Issuance, Renewal or Replacement

2.31 When a Card is due to expire, we will typically issue you and, where applicable, any Supplementary Cardholder, with a replacement Card on or before the day it is due to expire. However, we may not do that if, amongst other things, you are in default under this agreement, your Card Account is blocked or closed, or your Card has been cancelled.

2.32 We may also issue you or where applicable, a Supplementary Cardholder, with a replacement Card where a Card is lost or stolen.

2.33 Any replacement Card will need to be activated before it can be used. However, we may (but are not obliged to) transfer all your Recurring Card Instruction for the service to the replacement Card to ensure non-interruption of service (whether you have activated the replacement Card or not). Please refer to Section 2 above on “Getting Started” on getting your Card activated.

2.34 Even if you do not activate your Card, you are still responsible for paying all outstanding balances. For the avoidance of any doubt, non-activation of the new Card does not revoke any existing standing instructions or any other transactions (including transactions which have been performed but not posted) unless the Card or Card Account has been terminated. Notwithstanding, you will still be liable for any transaction on your Card due to your previous use or standing instructions. It is your responsibility to ensure that no further transactions are made on a terminated Card.

2.35 Upon replacement of your Card, you are under a duty to use all reasonable care, precaution and diligence to prevent the loss, theft or unauthorised use of your unexpired old Card. All charges arising from transactions carried out through the use of your Card when it has been carelessly disposed are deemed to have been made by you and you are liable for all such transactions.

2.36 Even if you have exercised all reasonable care, precaution and diligence to prevent the loss or theft or unauthorised use of your Card, you will still remain liable to us if you have acted fraudulently in the use of your unexpired old Card.

2.37 Upon any loss, theft and/or unauthorised use of your Card or upon discovery that any person or persons have acquired knowledge of the PIN, you must immediately create a new PIN to replace your existing PIN and you may request us to issue a replacement Card. We have the right to accept or to refuse such request and if we refuse, to give you reason for such refusal (where possible).

2.38 We are not obliged to issue a replacement Card following its loss or theft.

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2.39 Any issuance of a replacement Card is subject to a fee that we may reasonably prescribe. For details, please visit www.citibank.com.my to view the Fees and Charges table.

Are there transactions you can’t use your Card Account or your Card for?

2.40 Yes. Your Card Account, Card, and/or Supplementary Card must not be used:

(a) for business and/or commercial purposes which are reasonably deemed to be unacceptable by us such as pyramid or similar schemes and investments (unless we have specified otherwise in relation to your Card);

(b) to make purchases or other transactions which are prohibited by law; or

(c) for any unlawful, fraudulent, dishonest or unauthorised activities which are prohibited under this agreement (whether specifically or generally prohibited having regard to the terms of this agreement as a whole);

(d) to make purchases or other transactions which are Unacceptable Transactions.

2.41 We are entitled to block the authorisation and/or refuse to approve transactions for the use of the Card for such other activities and purposes stated above or where we reasonably believe or suspect the transactions are fraudulent, dishonest or unauthorised. Notwithstanding this, we are not obliged to monitor and/or block the use of the Card for any prohibited activities.

2.42 We will immediately terminate your Card if you are discovered to have used the Card for any unlawful activity (for example, illegal online betting).

2.43 If you do make purchases or other transactions which are not allowed, this agreement still applies and you will still be liable to pay us the amounts owing in respect of them.

2.44 Credit of any winnings, unspent chips, or other values which may be used for Unacceptable Transactions including gambling transactions will not be accepted or credited into your Card Account.

3. Credit and other limits that apply to your Card

The credit limit

3.1 The Credit Limit is the amount set out as the credit limit in your Card carrier that accompanies your Card when you receive it, or such other amount notified to you as may be set from time to time on the use of the Card.

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3.2 If you have more than one (1) Card, you will be assigned a Customer Credit Limit which represents the total credit limit extended for the use of all the Cards held by you, regardless of the existing applicable Credit Limit for each Card. Both your Customer Credit Limit and the applicable Credit Limit for each Card will be indicated in your statement of accounts or monthly statement.

3.3 Subject to any applicable law, if your income per annum is RM36,000.00 or less, the maximum Customer Credit Limit that may be extended to you shall be up to two times your monthly income (regardless of whether you are an existing or new cardholder).

3.4 The total Credit Limit is available for the purchase of goods and services wherever the Card is honoured. Your Cash Advance limit is available through our bank counters or any ATM which accepts the Card.

3.5 You must ensure that the total amount charged to your Card Account MUST NOT exceed your Credit Limit or Customer Credit Limit, whichever is lower, at any time without our approval.

3.6 Without prejudice to our rights under these terms and conditions, we may, but do not have to, authorise transactions if your Credit Limit or Customer Credit Limit, whichever is lower, will be or has been exceeded. We will only authorise such transactions which exceed the Credit Limit or Customer Credit Limit if you have agreed to and/or requested for the same.

3.7 In the event your Credit Limit or Customer Credit Limit is exceeded for any reason whatsoever, the provisions on Overlimit will apply.

What to do if you want to change the credit limit

3.8 You may request that your Credit Limit and/or Customer Credit Limit be changed permanently or temporarily:

(a) by contacting us through CitiPhone Banking or Citibank Online (as the case may be); or

(b) by way of written instruction to us to the address or channel designated by us.

3.9 You can reduce the Credit Limit at any time by the two methods above. However, if the type of Card that is attached to your Card Account has a minimum Credit Limit, you cannot reduce it below that minimum limit.

3.10 You will need to ensure the Current Balance of your Card Account does not exceed the reduced Credit Limit before we can make the Credit Limit reduction. We can reject transactions until that happens, however, we may be unable to reject certain transactions, for example, because of system restrictions.

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3.11 Your request to increase your Credit Limit or Customer Credit Limit is subject to our approval and credit assessment (if applicable). Our decision to approve the increase in Credit Limit and/or Customer Credit Limit will be at our reasonable discretion in accordance with our policies and Bank Negara Malaysia guidelines.

3.12 You acknowledge and understand that once any permanent increase in Credit Limit or Customer Credit Limit or any temporary increase in Credit Limit or Customer Credit Limit is approved, the increase in the Credit Limit or Customer Credit Limit will be reflected in the Central Credit Reference Information Systems (CCRIS) or any credit bureau maintained by Bank Negara Malaysia.

3.13 An increase in your Credit Limit or Customer Credit Limit will also be an increase to your Supplementary Cardholder’s credit limit (for shared limit) unless you instruct us otherwise.

3.14 If you have an on-going temporary Credit Limit or Customer Credit Limit increase prior to your application for permanent increase in Credit Limit or Customer Credit Limit above, you are advised to either cancel the temporary Credit Limit increase or apply after the temporary Credit Limit increase is expired. Please note that processing may be delayed if your income document is incomplete or requires further clarification.

3.15 Upon approval, your new Credit Limit or Customer Credit Limit will be reflected in your next statement. A letter/SMS/electronic direct mailer (EDM) will be sent to your mailing address/mobile number/email address registered with us (or any other manner of communication as we deem appropriate) to inform you of Credit Limit or Customer Credit Limit increase status.

When can we change your credit limit?

3.16 Even if a Credit Limit or Customer Credit Limit has been assigned or approved at your request, the Customer Credit Limit and the existing applicable Credit Limit for each Card may be reasonably revised by us at any time (due to reasons such as decrease in the income updated to Bank or revision in policies or regulations affecting the Bank or the provision of Cards to our customers) with notice to you. Any new Credit Limit or Customer Credit Limit (subject to Section 3.17) will be notified to you either by way of notice or through your statement of accounts or monthly statements.

3.17 If we change your Customer Credit Limit or Credit Limit for each Card without your request for a change, such change shall take effect in the following manner:

(a) any reduction in your Customer Credit Limit or Credit Limit by us will take effect with notice to you; or

(b) any increase in your Customer Credit Limit or Credit Limit by us (following our credit assessment) will take effect only upon your acceptance of such increase.

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3.18 To ensure compliance with applicable laws as introduced or revised from time to time, you expressly agree that we are entitled (but may not be obliged) to suspend, cancel, terminate your Card and Card Account and/or reduce your Credit Limit and/or Customer Credit Limit previously assigned upon the issuance of any Card to you. You undertake to abide by and comply with any such laws, regulations and directives.

Other limits that apply

3.19 In addition to the daily limit applicable for Cash Advances, there is a limit on the amount of outstanding Cash Advances you can have. This is the Total Cash Limit.

3.20 If you reach your Total Cash Limit, you will have to reduce the Cash Advance Balance below that Total Cash Limit before you can draw more cash. You can find out how much you need to pay towards your Card Account before you can draw more cash by contacting Citiphone Banking or logging on to Citibank Online or Citi Mobile App.

3.21 Daily, weekly and other maximum limits (including limits for particular types of transactions) may also apply to transactions, Cards or the Card Account, as notified to you.

3.22 We may also impose either a permanent or temporary maximum limit on the total amount of cash or value you can obtain with your Card (including a daily transaction limit). We may do so without telling you first where we reasonably consider it should be done for the security of a system or an account, including to prevent criminal activity or fraud.

3.23 Third party organisations including merchants or other financial institutions may impose their own restrictions on the amount of cash or value you can obtain with your Card.

Excess of Credit Limit - Overlimit

3.24 If you have agreed to an Overlimit, we may from time to time, allow you to exceed your Credit Limit/Customer Credit Limit and/or allow your Supplementary Cardholder(s) to exceed his/her assigned Supplementary Card(s) limit (if a separate credit limit is assigned) as we deem fit (“Overlimit”).

3.25 Notwithstanding the Overlimit Amount:

(a) your Credit Limit or Customer Credit Limit does not change;

(b) a fee may apply; and

(c) you must pay the Overlimit Amount including any fees and charges immediately upon our request or by the next Payment Due Date, whichever is earlier (unless we tell you otherwise).

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3.26 You are liable for all amounts used, including the Overlimit Amount above the Credit Limit/Customer Credit Limit/assigned Supplementary Card(s) limit. If you do not pay such amounts when due, we may suspend the use of your Card Account until the Card Account is once again under the Credit Limit or Customer Credit Limit, or we may terminate your Card Account.

3.27 Notwithstanding that you have not agreed to any Overlimit, your account may still go Overlimit in the case of the following transactions:

(a) stand-in processing transaction;

(b) interest or fees imposed by us; and

(c) auto-debit transaction (or Recurring Card Instructions).

3.28 In ascertaining the Overlimit Amount, we shall take into account your Credit Limit minus any Current Balance on your Card Account (including any outstanding balances on retail transactions, Balance Transfer amounts, Cash Advance amounts and all Monthly Instalment(s)(inclusive of instalments not due or billed).

3.29 You will not be required to pay any Overlimit fee if you exceed the Credit Limit or Customer Credit Limit as a result of the transactions in Section 3.27(a) and (b) above or if the Overlimit is due to temporary authorisation holds placed by merchants.

3.30 In addition to making the payment stated above, you must also pay us the Current Balance, or if you choose not to settle the Current Balance in full, then at the very least the Minimum Monthly Payment, by the Payment Due Date. If you do not, we may suspend use of your Card Account until the Current Balance is settled, or we may terminate your Card Account.

3.31 Without derogation to the foregoing:

(a) if you make any application, request or instruction for a temporary increase in your Credit Limit and there are amounts in excess of your Credit Limit in your Card Account after the period of the temporary increase reasonably specified by us and notified to you; or

(b) if you use the Card after being informed prior to such usage, that you are able to exceed or have exceeded your Credit Limit,

you are consenting to exceed the Credit Limit or go Overlimit and the applicable charges for Overlimit.

3.32 Notwithstanding that, at all times, the discretion for allowing you to go Overlimit resides with us solely.

3.33 In the event the Current Balance exceeds your Credit Limit after the expiry of any temporary increase in Credit Limit or if you continue using your Card to Overlimit, you will be liable for all amounts in excess of your Credit Limit, including any fees and

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charges. Such amounts are payable by you immediately upon our reasonable request or by the next Payment Due Date, whichever is earlier.

Right to Restrict or Refuse Credit

3.34 We are entitled at any time (by giving you notice) to restrict or limit your credit or refuse and otherwise withhold credit as we reasonably deem fit due to reasons such as non-performance of Card Account or legal action instituted against you.

3.35 If we detect unusual or suspicious activity on your Card Account, we may temporarily suspend your credit privileges until we can verify the activity.

4. Supplementary Cardholders

Can you have Supplementary Cardholders on your Card Account?

4.1 Yes. You can ask us to issue a Card to another person as a Supplementary Cardholder if they are eligible. For supplementary card applicants, the minimum age for all card types is 18 years old (except for the Citi Business Platinum card where the minimum age is 21 years old, and is only for employees with a declared income of RM24,000 per annum). If we agree, we will issue that person with a Card.

4.2 From time to time we may change the eligibility criteria for Supplementary Cardholders or place limits on the number of Supplementary Cardholders you can have by notifying you of such change.

4.3 An annual fee will be charged for each Supplementary Card. For details, please visit www.citibank.com.my to view the Fees and Charges table.

4.4 If you request for a Supplementary Card, you must pay us for all charges made by the Supplementary Cardholder(s), including charges for which you may not have intended to be responsible for and notwithstanding that the Supplementary Card(s) may bear different credit card account numbers and may have separate assigned credit limits.

4.5 You are responsible for the Supplementary Cardholder’s use of your Card Account and the Supplementary Card and you need to ensure that the Supplementary Cardholder complies with the terms of this agreement as if they were you. The Supplementary Cardholder(s) may be subject to any other terms and conditions as we may reasonably impose from time to time. The Supplementary Cardholder(s) agrees to be bound by these terms and conditions, the Bank’s rules and regulations and all other terms and conditions applicable to the Supplementary Card(s).

4.6 All amounts charged to the Supplementary Card(s) will be transferred to your Card Account at the next statement date. As such and subject to these terms and conditions, the Supplementary Cardholder(s) will be able to utilise his/her Supplementary Card(s)

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up to the whole amount of your available Credit Limit or Customer Credit Limit (if no separate credit limit is assigned to the Supplementary Card(s) or as the case may be, up to the whole amount of the assigned credit limit of his/her Supplementary Card(s) (if a separate credit limit is assigned) after the date of the statement so long as the aggregate charges on the Card and Supplementary Card(s) do not exceed your Credit Limit or the Customer Credit Limit, whichever is lower.

4.7 You can set a separate limit that will apply to the Card of a Supplementary Cardholder, provided it is less than the overall Credit Limit or Customer Credit Limit applicable to your Card Account. That separate credit limit is part of the overall Credit Limit applicable to your Account. Even though the Supplementary Card(s) may have a separate credit limit, if such has been assigned, we are entitled (but not obliged), as we reasonably deem fit in accordance with Section 3 above, to approve transactions that result in the credit limit of the Supplementary Card(s) being exceeded, in which event you must still pay us for all charges made by your Supplementary Cardholder(s) including the amounts in excess of the assigned credit limit. Please see Section 3 on “Excess of Credit Limit – Overlimit” for further details on exceeding the credit limit.

4.8 If there is a shared limit between principal Card and Supplementary Card, your request for an increase in your Credit Limit will also cause the Credit Limit of the Supplementary Cards to increase as well unless you request otherwise.

4.9 Unless the Supplementary Card is terminated earlier than the principal Card for any reasons, the Supplementary Card(s) is valid for so long that the Card is valid. Upon the termination of the Card for whatever reason, the use of the Supplementary Card(s) will also terminate. To the fullest extent permitted by applicable law, you and/or the Supplementary Cardholder(s) will be liable to us for all amounts and charges due and owing to us howsoever arising from the use by the Supplementary Cardholder(s) of his own Supplementary Card(s).

What a Supplementary Cardholder can and cannot do

4.10 A Supplementary Cardholder will be able to operate the Card Account and use the Supplementary Card (and if they are issued with one or some Security Codes or Devices, our digital banking services) in the same way that you can. However, in the event that any transaction is performed by Supplementary Cardholder, only Principal Cardholder will receive notification/transaction alert via SMS or any notification via other channel with regards to any transaction performed by Supplementary Cardholder. To the extent that this agreement relates to the use or security of a Card, Card Account, Security Code or Device references to ‘you’ mean you and/or any Supplementary Cardholder.

4.11 Supplementary Cardholder cannot:

(a) ask us to increase the Credit Limit or Customer Credit Limit on a Card;

(b) request an increase to a transaction limit;

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(c) make a request to close the Card Account, cancel a Card or remove another Supplementary Cardholder;

(d) ask us to issue a Card to another Supplementary Cardholder or request a replacement Card if you (as the primary cardholder) have made a request to cancel that Card; or

(e) update any Principal Cardholder’s records including addresses and phone numbers held by us.

What if you no longer want the Supplementary Cardholder on your Card Account?

4.12 You can ask us to remove a Supplementary Cardholder from your Card Account by:

(a) contacting us through CitiPhone Banking or Citibank Online (as the case may be); or

(b) way of written instruction to us to the address or channel designated by us.

4.13 We will cancel the Card held by the Supplementary Cardholder as soon as reasonably practicable, but it may take some time. You will continue to be responsible for any purchases or other transactions made by the Supplementary Cardholder before the request is processed.

5. Fees, charges and interest

What fees and charges do you need to pay?

5.1 The fees and charges which are applicable to your Card Account and the Card are set out in the fees and charges table which can be found by visiting www.citibank.com.my. You must pay fees and charges which are applicable to your Card Account. Those fees and charges may be changed by us by giving you adequate prior written notice.

5.2 We will charge, and you must pay, those fees and charges together with any applicable Taxes that apply in respect of this agreement or the operation of your Card Account, to your Card Account.

5.3 Interest is payable on those fees and charges.

5.4 We have the right to debit your Card Account and/or any other account you may maintain with us with the amount of any charges, fees, costs, expenses, interests, Taxes, commissions and penalties which are due to us by you. Further information on our right to debit is set out in Section 16 on “Our right to debit your account for certain charges”.

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5.5 Your Card Account is subject to the following fees of an amount that we may reasonably prescribe, and which is payable by you to us:

(a) an annual fee for the issue of your Card and for each renewal of your Card;

(b) a handling charge for a replacement Card to be issued;

(c) finance charges (if applicable);

(d) a transaction and/or conversion fee or any fee referred to by any other name for any foreign currency transactions;

(e) charges of retail transactions made outside of Malaysia;

(f) a Cash Advance fee (if applicable);

(g) a statement retrieval request charge to be imposed in the event you request for any statement;

(h) charges and fees for the provision of copies of sales/Cash Advance drafts or any other documentation;

(i) Overlimit fee for the amount charged to your Card which is in excess of your Customer Credit Limit;

(j) monthly paper statement fee;

(k) additional statement request fee; and

(l) such other charges and fees notified to you from time to time with adequate prior notice.

5.6 Please visit www.citibank.com.my to view applicable fees and charges (which may be revised from time to time by us by giving you adequate prior written notice).

5.7 We are also entitled to levy an administration charge as we may reasonably prescribe if any cheque presented by you for payment is dishonoured due to insufficient funds or ambiguous amount, or any other reason not caused by us which results in the cheque being faulty. Please visit www.citibank.com.my to view applicable charges (which may be revised from time to time by us by giving you adequate prior written notice).

5.8 To the fullest extent permitted by law, all fees paid in connection with the Card to us are non-refundable.

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Interest (Finance Charge)

5.9 Subject to any Interest Free Period that applies, we charge you, and you must pay, interest on the Current Balance. This is known as Finance Charges. Interest Free Periods are explained further in Section 15 "Additional terms about interest".

5.10 You will incur Finance Charges if you:

(a) pay us less than the Current Balance including the Monthly Instalment (and including only paying the Minimum Monthly Payment) on or before the Payment Due Date;

(b) make no payment by the Payment Due Date;

(c) make a payment after the Payment Due Date; or

(d) have taken a Cash Advance.

5.11 Finance charges will be levied on the outstanding balance or Current Balance in your statement at the rates prescribed by Bank Negara Malaysia under its guidelines (including its credit card guidelines, as amended from time to time) (or such other rate that may be lower as determined by us at our reasonable discretion and as we reasonably deem fit) and subject to the maximum rates for the following categories:

Transaction Annual rate (per annum)

Description

Finance charges for

retail transactions/ purchases

15% Cardholders who promptly settle their Minimum Monthly Payment due for twelve (12) consecutive months.

17% Cardholders who promptly settle their Minimum Monthly Payment due for ten (10)/ eleven (11) months in the last twelve (12) consecutive months.

18% Cardholders who make nine (9) months or less prompt payments of their Minimum Monthly Payment in the last twelve (12) consecutive months.

Finance charges on Monthly

Instalments

Up to 18%

Finance charges applicable to the Monthly Instalments are at the prevailing rate for Finance Charges for retail transactions/purchases.

Finance charges on Cash Advance

18%

Daily interest will be charged on the Cash Advance fee and the total Cash Advance amount from the date of transaction until full repayment.

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Finance charges on Balance Transfer

up to 8.99% Up to 8.99%* per annum daily interest on the total Balance Transfer amount. *This may be offered at lower promotional rates for stated period.

5.12 Finance Charges are computed on:

(a) all transactions charged to you in connection with the use of your Card (including retail transactions and Monthly Instalments) commencing from the day they are posted (except for Cash Advance, where finance charges will commence from transaction date) to the Card Account on their respective posting dates;

(b) the unpaid balance or outstanding balances including Monthly Instalments carried forward from the previous statement or statements, commencing on the respective dates for the computation of Finance Charges as set out in (a) above; and

(c) Balance Transfers from other credit card accounts to your Card Account.

5.13 Subject to any restriction imposed by Bank Negara Malaysia (including its credit card guidelines, as amended from time to time), the Finance Charges are imposed on the portion of balances that relates to finance charges and other fees or charges (excluding late payment charge) that we carried forward from balances posted in previous statements.

5.14 No Finance Charges will be imposed if you have fully settled the preceding month’s Current Balance in full (or in the case of Monthly Instalment, if you have settled all of your Monthly Instalment in full) on or before the Payment Due Date as evidenced by the current month’s statement, for which, you will enjoy an Interest Free Period of at least twenty (20) days commencing from the date of the current month’s statement. The Interest Free Period from the statement date for new retail transactions and current month’s Monthly Instalment(s) is only applicable if you make full payment on the outstanding balance from the previous month’s statement of account by the Payment Due Date.

5.15 We will issue statements periodically, for which, you will either receive an e-statement or a physical statement sent by post to your mailing address (last notified by you and in our records) if you are not enrolled in e-statement. Upon receipt of your monthly statement, you may choose to pay the Current Balance appearing in your monthly statement in full or if you choose not to settle the Current Balance in full, you must pay as a minimum, the Minimum Monthly Payment on or before the Payment Due Date. Please see Section 6 below on “Credit Card Statements” for more information on your statements.

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Late Payment Charges

5.16 If the Minimum Monthly Payment is not made by the Payment Due Date, a late payment charge will be levied at 1% of the unpaid balance from retail transactions and Cash Advances, subject to a minimum late payment charge of RM10 and up to a maximum of RM100.

5.17 Late payment charges are only applicable to retail transactions and cash advances. For the avoidance of doubt, Finance Charges will not be imposed on the amount of late payment charges.

6. Credit Card Statements

6.1 You will be provided with a monthly credit card statement on the statement date so long as you have a minimum outstanding Current Balance in your Card Account (except where the law or regulations do not require us to).

6.2 Each credit card statement will set out amongst others:

(a) the amount you owe at the end of that Statement Period; and

(b) any Finance Charges;

(c) other applicable fees and charges;

(d) your Minimum Monthly Payment and the Payment Due Date;

(e) your current Credit Limit and Customer Credit Limit (if applicable); and

(f) an itemised list of current charges, payments and credits and other important information.

6.3 If you have entered into a Fixed Payment Option, your credit card statement will also include additional information. See Section 18 "Fixed Payment Options and Other Special Promotions or Citi Credit Card Products".

6.4 If requested, physical/hardcopy monthly statements will be sent to your last known address in our records. Such statements are deemed to have been received by you on the 5th day after posting.

6.5 It is your responsibility to examine all entries in the monthly statement or any advices and you will be deemed to have done so. If there are errors, discrepancies or inaccuracies in the statement, you are under a duty to report them to us in writing within 14 days from the date you received or are deemed to have received the statement. See Section 26 “Contact Us” for further information on how you can contact us.

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6.6 If for any reason, we do not receive a written notification from you within 14 days of any error in the statement, then you are deemed to have accepted the entries in the statement (made up to the date of the last entry) as correct and conclusive evidence of the facts contained in the statement. For the avoidance of doubt, this provision only applies to you without affecting our rights to make good, correct or reverse any entries, including to recover any monies mistakenly credited into your Card account (whether by a third party or for the use of Citibank) for which you will be liable to pay over to us.

6.7 Unless you notify us in the manner stated above, the statement will be considered conclusive and binding against you, your legal representatives and successors save where there is fraud or manifest error (for example, unauthorized transactions or fraudulent or wrong entries).

6.8 For the avoidance of doubt, proof of sending of a written notification to us is not proof that we have received your written notification if we have in fact not received it. Subject to the requirements of applicable law, you should obtain acknowledgment of our receipt of your written notification.

6.9 If you dispute any transactions stated in your statement, we may as we reasonably deem fit, carry out any investigation(s) on the disputed transaction(s), in which case the following apply:

(a) If our investigation(s) reveal or indicate that you are liable for any of the disputed transaction(s), we are entitled to levy the following charges:

(i) an investigation(s) charge(s) as we may reasonably deem fit based on the cost incurred for such investigation; and

(ii) finance charge(s) from the date of the disputed transaction(s) until the conclusion of our investigation(s).

(b) No finance charge(s) and/or investigation charge(s) will be levied against you if the investigation(s) reveal that you are not liable for any of the disputed transaction(s).

Our findings in any investigation conducted in relation to your Card Account are final and binding on you save where there is fraud or manifest error.

For the avoidance of doubt, you may contact the Ombudsman for Financial Services should you wish to continue pursuing a claim on a disputed transaction.

E-Statement Facility

6.10 You can choose to receive your statement via electronic form by signing up for our e-Statement facility on our website at www.citibank.com.my or “Citibank Online”. Upon your successful signing up, you may view any statements, notices or information through your computer terminal, or any hardware capable of connecting to the

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internet and which can perform transactions (for example, mobile phones, tablets and wearable technology) which are acceptable for use by us.

6.11 If you are enrolled in e-statement, your e-statement will be sent by e-mail to your e-mail address (last notified and in our records) or you may receive a Communication (defined below) that your e-statement is available, and you may access or download your e-statement from Citibank Online and/or Citi Mobile Apps.

6.12 Once you have successfully signed up for the e-statement facility:

(a) you will be bound by the terms and conditions which govern the use of the e-statement facility which can be viewed on Citibank Online and/or Citi Mobile Apps; and

(b) your enrollment will start on the next statement date and we will cease sending you physical copies of statements, notices or information after that until the e-statement facility is cancelled or terminated by you or us. However, whilst the e-statement facility is still active, if you request for a physical copy of any statements of account, notices or information, we may charge you a reasonable fee for a physical copy, as set out in the Fees and Charges table on www.citibank.com.my.

7. Payments

What do you have to pay and how we determine it?

7.1 The outstanding balance appears as the Current Balance as specified in your statement.

7.2 To determine the Current Balance, we begin with the outstanding balance in your Card Account at the beginning of each billing period. We will add any purchases, Cash Advances and Monthly Instalments and subtract any credits or payments credited as of that billing period. We then add the appropriate finance charges and fees and make the applicable adjustments.

7.3 You must pay at least the amount shown on your credit card statement as the Minimum Monthly Payment by the Payment Due Date.

7.4 You must also immediately pay any Overlimit Amount and any amount which is overdue and unpaid. Your credit card statement will set out those amounts (if any).

7.5 You must pay all amounts owing under this agreement without setting off amounts you believe we owe you.

7.6 You can pay more than the Minimum Monthly Payment if you want, up to the amount you owe us.

7.7 All such monies and Charges are payable by you in full without any set-off or counterclaim or any restriction or condition, and free and clear of and without

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deduction for present or future Taxes or any other excise or property taxes, levies, charges, or withholdings, and all liabilities with respect to the same (if any). If you are obliged by law or regulation of any jurisdiction, domestic or foreign, or any agreement entered into with and between Authorities, to deduct or withhold (whether for payment of any Taxes or otherwise) any sum from any payment to us, you must increase the amount of the payment so that the net amount received by us will equal the amount due to us.

7.8 All such monies and charges payable by you are exclusive of any sales and services tax or other value added tax (whether imposed in Malaysia or any other jurisdiction) which will, where applicable, be paid by you in addition to any sums otherwise payable, at the rate in force at the due time for payment or such other time as is stipulated under the relevant legislation.

7.9 In regard to any deduction or withholding of Taxes,

(a) If we and/or Citigroup Inc, Citigroup Organisation are obliged by law or regulation of any jurisdiction, domestic or foreign, or any agreement entered into with and/or between Authorities, to deduct or withhold (whether for payment of any Taxes or otherwise) any sum from any payment payable by us to you, you authorise us to withhold and to pay the net sum over to you or to place such sum in any of your Other Bank Accounts with us or such other Account(s) as you will instruct (unless at such time there are any monies owing by you to us, in which case we are entitled to deduct the amount of monies owing).

(b) Any such deductions or withholdings shall be timely paid to the relevant Authority in accordance with the relevant requirement. You will be notified of any such deductions or withholdings as soon as reasonably practicable. You hereby acknowledge that we will not be required to reimburse you for any amount withheld or deducted and paid by us or a Payment Infrastructure Provider to the relevant Authority. Further, to the extent Citigroup Inc, Citigroup Organisation, we or any of its, their and our Third Party Service Providers pays or has paid from its own funds or is or will become required to make a payment to an Authority in respect of an amount that should have been, but was not, Taxes and any other amounts collected, you shall indemnify us for such reasonable payments, plus any interest and penalties on such payments. You understand that we are not required to contest any demand made by an Authority for such payments. You hereby represent that you have provided to and secured from any person that will own a beneficial interest in a payment from us, any notices, consent or waiver necessary to permit Citigroup Inc, Citigroup Organisation, us or any of its, their and our Third Party Service Providers to carry out the actions described in this paragraph.

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Minimum Monthly Payment

7.10 “Minimum Monthly Payment” means:

(a) (i) 5% of the total outstanding balance* (if any);

*Outstanding balance refers to retail transactions amount (if any) + Balance Transfer amount (if any) + Cash Advance amount (if any) + Finance Charges and fees (if any)

(ii) 100% service tax (if any);

(iii) 100% Monthly Instalments (if any); and

(iv) 100% past due amount (if any);

OR

(b) RM50; whichever is higher.

If your Current Balance is below RM50, the Minimum Monthly Payment will be 100% of your Current Balance.

A fee will be levied if there is an Overlimit Amount and will be charged to your Card Account. The fee amount will be as specified in your monthly statement.

7.11 If the Minimum Monthly Payment amount is unpaid, partly paid or paid after the Payment Due Date, we may, without affecting your obligation to pay Finance Charges or our right to terminate or cancel the use of your Card, impose such fees and/or late payment charges until the Minimum Monthly Payment is paid in full, and/or may allow you to pay:

(a) if the Current Balance does not exceed your Credit Limit, the current Minimum Monthly Payment which includes any unpaid previous Minimum Monthly Payment;

(b) if the Current Balance exceeds your Credit Limit, the current Minimum Monthly Payment which includes the excess over your Credit Limit and the unpaid previous Minimum Monthly Payment.

7.12 We reserve the right to terminate or cancel your Card if you continue to default in the payment of the Minimum Monthly Payment by the Payment Due Date.

How can you make a payment

7.13 You must make payment of all monies, Finance Charges, fees and charges for which you may become liable in the same currency as the currency of your Card Account (which is Ringgit Malaysia), and in the manner we reasonably specify from time to time

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unless we tell you otherwise. See Section 16 "How can you make a payment?" for any restrictions on the payment methods that we accept.

7.14 For retail transaction made in currencies other than Ringgit Malaysia (RM), we may convert at such rate we reasonably deem fit (which determination will be in accordance with Section 12 below on “International and foreign currency transactions”) any payment received for any of your Account(s) (in a currency different from that of such Account(s)) into the currency of that account(s), and you will bear the cost of such conversion.

Certain payment methods and late payments may attract a fee. For details, please visit www.citibank.com.my to view the Fees and Charges table. Also see Section 5 above on Late Payment Charges for further information.

How we process payments

7.15 We will process payments made to your account as soon as reasonably practicable after receipt of the payment. However, there may be delays in processing your payment such as if:

(a) the payment hasn’t cleared; or

(b) we receive your payment on a non-Business Day.

7.16 If you make a payment and that payment is subsequently dishonoured, a dishonour fee, may apply. For details, please visit www.citibank.com.my to view the Fees and Charges table.

7.17 Payment will not be considered to have been made until all relevant funds have been received for value by us and entered into our records on the day following receipt of payment by us, and until then, Finance Charges may continue to be charged. For the avoidance of any doubt, even if balances reflected on Citibank Online or Citi Mobile App has captured inbound transfer or payments effected by you, payment made on non-Business Days i.e. Saturday, Sunday or gazetted public holidays in Malaysia may not enter into our records on those days.

For the avoidance of further doubt:

(a) any transactions via cash deposit, cheques or other negotiable instrument shall be deemed as having been made:

(i) if by a deposit of cash, upon verification by our designated personnel of the deposit and the amount and when the amount is entered into our records; or

(ii) if by a deposit of cheques or other negotiable instruments, upon verification by our designated personnel of the deposit, the amount and the Cardholders or drawer’s title to such cheques and

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other negotiable instruments, and when the amount of such deposit in cleared funds is entered into our records.

(b) the return slip generated automatically by our cash deposit machine and cheque deposit machine only confirms the deposit has been transacted but not the amount deposited, hence will not be treated as received for value until the amount transferred is entered into our records; and

(c) any payments made by debit instruction or fund transfers, for example, Inter-bank GIRO System, Citibank Online or CitiPhone Banking, shall be deemed as having been made, if the transfer on the day following cleared funds, our receipt of the same and/or when the amount is entered into our records.

How we apply payments

7.18 If any law requires us to apply payments in an order, we will apply payments in that order. For more details of how we apply your payments, see Section 16 "How are the payments applied?".

8. Errors, disputed transactions, chargebacks and refunds

Identifying errors on your Card Account

8.1 You should check your receipt at the time of the transaction (and keep your receipt) and, if there has been a mistake, you should let the merchant know at that time.

8.2 You should check all of the entries on your credit card statement when you receive it. If you think there has been an error or you want to dispute a transaction, you should get in contact with us as soon as possible by contacting CitiPhone Banking.

Disputed transactions and chargebacks

8.3 You agree to settle all disputes directly with the merchant who honoured your Card or the relevant member institution of Mastercard, VISA, American Express and/or other card associations.

8.4 If you need to dispute a transaction on your Card Account, you must notify us by contacting CitiPhone Banking as soon as possible and no later than 14 days after your receipt of the credit card statement on which the transaction is recorded.

8.5 If you have a problem with goods or services purchased using a Card then in some circumstances the applicable card scheme rules may allow us to charge a transaction on the Card Account back to the relevant merchant. This is known as a chargeback.

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8.6 If it is available, we will claim a chargeback right for a transaction on your Card Account if:

(a) you ask us to do so; and

(b) you give us the information and material we require to support a chargeback, within 14 days after the date of the credit card statement on which the transaction is recorded.

8.7 If, within the time limit set by the credit card scheme rules, you tell us that you want to dispute a transaction on a Card, then we:

(a) will claim the relevant amount back if we find it be incorrectly charged and you have not contributed to the loss; or

(b) may accept the merchant’s refusal to make that chargeback only if the refusal is made in a way allowed under the relevant card’s scheme rules.

8.8 The ability to dispute a transaction may be lost if it is not reported to us within these timeframes. However, the timeframes for disputing a transaction will not apply where we are bound by an applicable law, guideline or code which allows a longer time.

8.9 Where your request for a chargeback is not settled to your satisfaction, we will tell you the procedures for the investigation and resolution of the dispute.

Conclusive Evidence

8.10 Any admission or acknowledgement in writing by you or any person authorised by you of your amount of indebtedness to us, and any judgment recovered by us against you in respect of such indebtedness is binding and conclusive in all Courts of law in Malaysia and elsewhere save where there is fraud or manifest error (for example, unauthorized transactions or fraudulent or wrong entries).

8.11 You agree that a certificate of indebtedness issued by any one of our officers is conclusive and binding evidence as to the amount due to us under your Card Account save where there is fraud or manifest error (for example, unauthorized transactions or fraudulent or wrong entries). Such certificate is conclusive evidence against you in any legal proceedings.

Refunds

8.12 We will give you a refund:

(a) as set out in this agreement; or

(b) when a dispute is resolved in your favour; or

(c) if we receive a refund (or some other refund verification acceptable to us) from a merchant.

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8.13 Refunds will reduce your Card Account balance but do not count towards your next monthly repayment obligations.

8.14 Please see Section 12 “Credit balance” on refunds of your credit balance.

9. Security and liability

Security of the Card, Security Codes and Devices

9.1 You must keep Security Codes secret and take all reasonable steps to protect their security.

9.2 If you make a record of your Security Code you will need to take all reasonable steps to prevent unauthorised access to the record or ensure the record is reasonably disguised. You should not keep any written record of your Security Code (including your PIN) at any place or in any manner which may enable a third party to have access and/or make use of your Card and you should keep your Security Code safe in accordance with Section 9 below on “How to protect your Card and Security Code”.

9.3 Failure to comply with this requirement will expose you to the consequences of theft and/or unauthorised use of your Card, for which we will not be in any way liable. We will also not be liable for any claims from any party and/or liabilities arising from the use of your Security Code (including your PIN), regardless whether such use is authorised.

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How to protect your Card and Security Code

What you must do What you must not do

• try to memorise the Security Code; • destroy any record of the Security Code; • use care to prevent anyone else seeing

your Security Code being entered in Electronic Equipment or overhearing the Security Code;

• take reasonable steps to protect your Card or Security Code from loss or theft;

• immediately destroy any expired Card by cutting the Card into halves or several pieces across the magnetic strip and the microchip embedded in the Card (if any) so that those components are completely damaged;

• notify us immediately upon receiving an SMS transaction alert if the transaction was unauthorised; and

• notify us immediately after having discovered that the Card is lost, stolen, an unauthorised transaction had occurred and/or there has been a disclosure of your Security Code.

• allow your Card to be out-of-sight; • let anyone else use your Card or Security

Code; • voluntarily disclose your Security Code to

anyone, including a family member or friend or our employees;

• choose a numeric Security Code which is clearly identifiable with you (such as birth date, identity card, passport, phone number, post code, driving license or car registration number) or an alphabetical Security Code which represents a recognisable part of your name;

• keep a record of your Security Code (without making a reasonable attempt to disguise the Security Code) on the Card or any item normally carried with or stored in close proximity with your Card, or which is liable to loss or theft at the same time as the Card or on anything and anywhere which could be understood by any other person as your Security Code;

• use the same Security Code without changing it regularly; or

• use the Security Code from non-verified internet sites.

What to do if you suspect the security of your Card, Security Code or Device has been breached or an unauthorised transaction has occurred

9.4 If you suspect the security of any Security Code has been breached, your Card or any Device has been lost, stolen or misused or an unauthorised transaction has occurred, you must tell us as soon as possible by contacting us using CitiPhone Banking Customer Service team. For more information, please see “Contact Us” section in these terms and conditions.

9.5 In the event of any loss, theft of the Card, and/or disclosure of the PIN to any person, you must, if so requested by us, provide us with your written confirmation of such event and/or forward us a copy of the police report made by you of the loss, theft of the Card and/or disclosure of the PIN to any person no later than seven (7) days or as

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soon as practicable from the occurrence of such loss theft, unauthorised use of the Card and/or disclosure of the PIN.

9.6 Where a Card or Security Code has been cancelled, it must not be used again even if it is later found. You must immediately upon retrieval of the Card, cut the Card into halves or several pieces across the magnetic strip and the microchip embedded in the Card (if any).

Liability

9.7 Liability in a particular circumstance will depend upon the nature of the transactions and the applicable laws and rules that apply to us in relation to that specific transaction. Section 22 "Further information about security and liability for transactions" sets out how we will determine liability for loss in relation to different types of transactions. Please read those sections carefully so that you understand when you will be liable and when you won’t be liable.

10. Default, block, closure and cancellation

When will you be in default and what does that mean?

10.1 You will be in default under this agreement if you fail to pay in full an amount which is due under this agreement by its due date (including as a result of any payment being dishonoured). You may also be in default if you do, or fail to do, certain other things. Please see Section 23 "When will you be in default under this agreement?" for further details of when you will be in default.

10.2 If you are in default, subject to any notice requirements, we will have the right to take a range of action to enforce our rights. Section 23 "What can we do if you are in default?" sets out the enforcement and recovery action that we can take and any notice periods (if any) which apply.

How do you close your Card Account or terminate a Card?

10.3 If you want to close your Card Account, you will first need to pay the Current Balance of your Card Account plus any accrued interest, any fees and charges and all amounts due and owing but not yet charged to your Card Account, including any reasonable enforcement expenses. Section 24 "How do you close your Card Account or cancel a Card?" contains further details of what you need to do if you want to close your Card Account or cancel a Card.

10.4 It is your sole duty and responsibility to notify the merchant and cancel any existing standing instructions (including Recurring Card Payments) prior to or upon termination of your Card.

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When may we close or block your Card Account, cancel a Card, block a Payment Facility or decide not to provide you with further credit?

10.5 We can close, block, terminate or cancel your Card Account or Card, block your access to a Payment Facility or decide not to provide you with further credit in certain circumstances. For example, we may block or close your Card Account if it is in default, we reasonably suspect that you or a Supplementary Cardholder are involved in fraudulent activity, or for security reasons. Section 24 "When can we close or block your Card Account or Payment Facility, or cancel a Card?" and "When can we decide not to provide you with further credit?" sets out the full details of when we can take this action and what you need to do if that happens.

11. Changes we can make to your agreement

11.1 We may reasonably make changes to this agreement with adequate prior written notice to you. For details of the changes which we can make, when they may be made and the notice requirements in relation to those changes, see Section 25 "Further information about changes we can make to this agreement".

12. Other things you need to know

Your responsibilities as Cardholder

12.1 Your responsibilities include that you must, at all times:

(a) abide by these terms and conditions;

(b) take reasonable steps to keep your Card and PIN secure, including at your place of residence – please refer to Section 9 on “How to protect your Card and Security Code” for a detailed list of your obligations to keep your Card and Security Code secure;

(c) cut your expired Card into halves or several pieces across the magnetic strip and the microchip embedded in the Card (if any) so that those components are completely damaged;

(d) notify us immediately if you discover that the Card is lost, stolen, an unauthorised transaction has occurred, and/or your PIN may have been compromised;

(e) notify us immediately upon receiving short message service (SMS) transaction alert if the transaction was unauthorised;

(f) notify us immediately of any change in your contact information;

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(g) use the Card responsibly, including not using the Card for unlawful activity; and

(h) check the monthly statement or statement of accounts and report any discrepancy or inaccuracy without undue delay or within 14 days from the date you received or are deemed to have received the statement.

12.2 You must also comply with any of your specific responsibilities under this agreement which include that you must:

(a) make prompt payment of at least the Minimum Monthly Payment by the Payment Due Date;

(b) ensure that the total amount charged to your Card Account does not exceed your Credit Limit or Customer Credit Limit (except where you have pre-arranged or agreed to Overlimit);

(c) notify all merchants and cancel any existing standing instructions prior to or upon termination of your Card;

(d) notify any relevant merchant of any new replacement Card or issuance of new Card and update your existing standing instructions;

(e) check that the goods or services you intend to purchase, its description and the transaction amount(s) is correct before you proceed to complete any transaction when you use your Card;

(f) provide us with written confirmation or a copy of the police report for the loss or theft of your Card or disclosure of the PIN to any person within 7 days (or as soon as practicable) from the occurrence of such loss theft, unauthorised use of the Card and/or disclosure of the PIN (if required by us);

(g) if you are going to be or reasonably know that you will be absent from Malaysia for more than 1 month, settle the amount outstanding under your Card Account at least 7 days prior to your departure; and

(h) if you intend to leave Malaysia to take up residence elsewhere, settle the amount outstanding under your Card Account and cancel your Card at least 14 days prior to your departure.

Processing transactions and adjusting your Card Account balance

12.3 A transaction becomes part of the Current Balance of your Card Account from the day it is recorded on our system as having been charged (the transaction date). Transactions may be processed on the day they are made or on a later Business Day. The transaction date may be either the day on which the transaction is made, or the day allocated to them when they are processed.

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12.4 We may decide not to process a purchase or other transaction, or we may delay it, if we reasonably suspect or believe that:

(a) there has been, or may be, fraudulent use of your Card Account or the Card; or

(b) there are other security reasons for not processing, or delaying, the purchase or other transaction; or

(c) there has been a breach of any law, or a breach of this agreement that we reasonably consider may have a material adverse effect on you or us if it were to be processed.

12.5 Some purchases or other transactions may require our approval before they can be completed, or require you to enter a Security Code. If we do not approve, or we reasonably delay, a purchase or other transaction we will not be liable to you or any other person for any loss or damage that you or the other person may suffer as a result. We do not guarantee approval of transactions and we are not liable for those that are not approved, even if you have enough available credit on your account, for example pyramid or similar schemes and investments.

12.6 We may adjust the balance of your Card Account to rectify any processing error or because a payment to the Card Account has been dishonoured. We may also adjust the balance of your Card Account so as to accurately reflect when a transaction was made and the legal obligations between you and us.

International and foreign currency transactions

12.7 Making payments and the use of a Card, digital banking services and CitiPhone Banking overseas are subject to applicable local and overseas legal requirements. This means that making payments and using those facilities may not be possible or you may be subject to limits (e.g. a maximum amount).

12.8 If a transaction (including retail transaction and/or Cash Advance) is made in foreign currency, the transaction will be converted into Ringgit Malaysia using US Dollars as the base currency on the date on which the transaction is received and processed by Citibank and/or Mastercard, Visa, American Express or the relevant card payment network (“Payment Network”).

12.9 Transactions in foreign currency other than Ringgit Malaysia shall be converted at Citibank’s prevailing foreign exchange rate and/or an exchange rate determined by the relevant Payment Network. The conversion rate is subject to administration charges levied by the Payment Network and in addition, a foreign exchange conversion markup will be levied by Citibank on the converted Ringgit Malaysia amount, or such other rate as reasonably determined by Citibank and notified to you. For details, please visit www.citibank.com.my to view the Fees and Charges table.

12.10 Because of the conversion processes and the currency conversion rates used in them:

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(a) the amount that we charge you in the currency of your Card Account, Malaysian Ringgit, will usually be different to the amount that you may have calculated at the time you initiated the transaction; and

(b) if you receive a refund of a foreign currency transaction, the amount of that refund (which will be in Malaysian Ringgit) might be different from the amount of the original transaction.

12.11 You agree that in the event of any disputes on the conversion rates determined by the relevant Payment Network on any transactions made in foreign currency, we will not be responsible to settle such disputes on your behalf.

12.12 Pending transactions which appear on Citibank Online and/or Citi Mobile App are those that have been approved but are pending final settlement by the merchant. Further, in relation to pending transactions:

(a) The details shown are for your information only. For an official record of transactions, please refer to your statement.

(b) The transaction description and amount may appear differently when posted, as it depends on the final settlement by the merchant, foreign exchange rates, applicable charges (if any) etc.

(c) Some merchants (for example, e-commerce merchants) will initiate an inquiry transaction, which is usually a small amount to validate the Card. However, the amount will be cancelled if no settlement has been submitted.

What to do if your contact details or circumstances change

12.13 You must tell us as soon as you can if your residential or postal address, email address or fixed or mobile phone number has changed.

12.14 For purposes of informing us, you may do so:

(a) by writing to us in the manner provided in Section 26 on “Communications”, including via electronic instructions;

(b) via electronic or digital transmission including electronic mail (whether encrypted or not);

(c) by being present at your branch of account and notifying our duly authorized personnel;

(d) by writing to the address noted on your monthly statement;

(e) by contacting CitiPhone Banking; or

(f) any other method of notification accepted by us from time to time.

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12.15 You undertake and are obliged to inform us promptly if:

(a) you intend to reside outside Malaysia;

(b) there is any change or proposed change in the particulars which you have given to us (including your mailing, home, electronic or office address, your home, office or mobile number and your employment or business or address);

(c) there is any change to the personal information contained in your file or report held by us; and/or

(d) you think there is any information that we should be aware of about your ability to comply with this agreement;

and you must immediately provide us with any or other information and documents as we may reasonably require from time to time.

12.16 We rely on your personal information being kept up-to-date and complete. To the fullest extent permitted by law, you cannot make any claim against us if our records are out-of-date, incomplete or inaccurate because we were not advised of the change and we will not be responsible for any errors or losses associated with a change in your details if we do not receive adequate notice of the change.

12.17 Notwithstanding the foregoing, we may use any means necessary to verify information pertaining about you, including your identity.

12.18 If you are going to be or if you reasonably know that you will be absent from Malaysia for more than one (1) month, you must settle the amount outstanding under your Card Account at least seven (7) days prior to your departure.

12.19 If you leave Malaysia to take up residence elsewhere, you must settle the amount outstanding under your Card Account and call CitiPhone Banking or give prior written notice to us for cancellation at least fourteen (14) days prior to your departure. The provision relating to termination above will subsequently apply and your Card(s) and all Supplementary Card(s) (if any) must be returned to us.

Service Messages and Marketing

12.20 Please see Section 26 "Privacy" for further details about our collection, use and disclosure of your information.

Inconsistency and severability

12.21 To the extent that any parts of this agreement are inconsistent with applicable laws, they will be deleted so that the rest of this agreement shall remain valid and enforceable.

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12.22 To the fullest extent permitted by law, if any of the terms of this agreement are, for any reason, invalid, illegal or unenforceable, that term is to be read down to the extent of the issue, and the remaining provisions will remain valid and enforceable.

Governing Law and Jurisdiction

12.23 These terms and conditions are governed by and construed in accordance with the laws of Malaysia and applicable regulations and/or guidelines by relevant regulatory Authorities, including Bank Negara Malaysia guidelines. You agree to submit to the non-exclusive jurisdiction of the Courts of Malaysia or the courts of such other competent jurisdictions as we may in our reasonable discretion and as we reasonably deem fit to elect.

12.24 If you are a non-citizen or non-resident of Malaysia, you should be aware of the laws in your country with regards to your banking and banking relationship with us in Malaysia. We will not be liable for any loss or liability imposed by your country on you as a result of your non-compliance with any laws, regulations or directives of your country.

Compliance with Laws

12.25 You acknowledge that you are solely responsible for, and that neither we nor any other Corporation in the Citigroup Organisation have any responsibility for your compliance with any laws, regulations or rules applicable to your use of any products and/or services in these Terms and Conditions including, but not limited to, any laws, regulations or rules, in your or any other jurisdiction, relating to tax, foreign exchange and capital control and for reporting or filing requirements that may apply as a result of your country of citizenship, domicile, residence or taxpaying status.

12.26 You hereby agree to provide us with such information as we may reasonably require from time to time, and shall update that information as required by us from time to time, to enable Citigroup Inc., Citigroup Organisation and/or us to comply with any laws or regulations of any jurisdiction, domestic or foreign, or any agreement entered into with or between Authorities.

Our rights

12.27 Even if we have previously:

(a) accepted late payments, partial payments, or cheques or money orders marked as constituting payment in full;

(b) waived any of our rights; or

(c) granted any indulgence;

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we are not prevented from enforcing our rights or collecting amounts due to us under these terms and conditions. In addition, such actions on our part do not constitute our consent to the variation of any of these terms and conditions in any way.

12.28 We may waive our rights under these terms and conditions in certain circumstances, without affecting our other rights. In doing so, we do not waive the same in other circumstances.

12.29 In addition, we are not liable for any loss caused by exercising or attempting to exercise a right, remedy or power or by not exercising it.

12.30 The rights and remedies provided in these terms and conditions are cumulative and not exclusive of any legal rights or remedies.

12.31 You agree that we may, as we deem fit, check your credit standing from any source (including credit reference agencies, Bank Negara Malaysia, the Credit Bureau and/or the Central Credit Reference Information System (“CCRIS”) established by Bank Negara Malaysia) at any time and from time to time without referring to you.

Assignment, Transfer and Novation

12.32 This agreement cannot be assigned, transferred or novated by you or a Supplementary Cardholder without our prior written consent.

12.33 You further agree that the balance standing to the credit of your Card Account and/or your Other Bank Accounts cannot in any way be assigned, transferred or charged to any third party by way of security, except with the Bank’s prior written consent and subject to such conditions as the Bank may reasonably prescribe. The Bank may make such assignment or transfer to a branch, related corporation or affiliate if it does not materially affect the provision of services to you or your rights by giving notice to you.

12.34 We may deal with, assign, transfer or novate to any person or company any of our rights under this agreement and under any related instrument(s), documents and/or guarantee in connection with it and with the Card Account or securing your obligations under the same (whether or not, due to what we consider reasonably necessary for us to comply with the laws or regulations of any jurisdiction, domestic or foreign). This will not affect your rights or obligations under the agreement.

12.35 You also agree that we are entitled to assign or transfer absolutely to a transferee all or some of our rights, title, interests, benefits, obligations and liabilities under these Terms and Conditions and/or under any related instrument(s), documents and/or guarantee in connection with it and/or with the Card Account and/or securing your obligations under the same (whether or not, due to what we consider reasonably necessary for us to comply with the laws or regulations of any jurisdiction, domestic or foreign). You further agree that any such novation, assignment or transfer may be effected by us delivering to you a written notice to that effect whereupon:

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(a) our assigned or transferred rights, title, interests and benefits are transferred to and assumed by the transferee;

(b) we will be fully discharged and released from our assigned or transferred obligations and liabilities;

(c) we retain all rights, title, interests, benefits, obligations and liabilities not so assigned or transferred;

(d) the transferee is bound by identical rights, title, interests, benefits, obligations and liabilities which we have assigned or transferred; and

(e) any acknowledgement (including risk disclosure statements and acknowledgements), information (including information provided in respect of risk profiling), instruction, order, direction, mandate or authority given by you to us in relation to the Card Account and/or your Other Bank Accounts or securing your obligations under the Card Account may be relied and acted upon by the assignee or transferee as if given by you to the assignee or transferee and will, unless and until revoked or cancelled, apply and have effect.

12.36 You consent to us disclosing on a continuous basis any information or documents relating to you which we consider necessary to assign such rights, manage the assigned agreement and assess our total liabilities to us and any related entity.

12.37 You also undertake to execute and sign any document (if any) which may be required to give effect to the assignment or transfer.

Credit balance

12.38 Your Card Account may have a credit balance.

12.39 If your Card Account has a credit balance at or above a certain limit for any period of time, you agree that we may at our reasonable discretion, choose to refund to you all or part of the credit balance by sending you a cheque (or other method determined by us) for all or part of that credit balance (excluding unclear funds).

12.40 If you have any credit balance in your Card Account after termination of your Card, we shall refund to you such credit balance within 30 days from the date on which you requested for termination of your Card.

Execution of Further Documents

12.41 You undertake to sign such further documents as may be reasonably requested by us in relation to these terms and conditions and/or the provision of services to you.

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13. Accessing and using your Card Account with our digital banking services and CitiPhone Banking

Getting started with our digital banking services

13.1 There are two digital banking services which you can use to access and operate your account - Citibank Online and the Citi Mobile App.

13.2 You may have already enrolled for our digital banking services when you opened your Card Account. However, if you have not already done so, you can enrol for Citibank Online, by going to https://www.citibank.com.my or you can enrol for the Citi Mobile App by downloading the app and following the prompts.

13.3 When accessing our digital banking services for the first time, you will need your Card Account or Card number, access to a mobile phone connected to the mobile phone number you have provided to us, together with any other information we require.

13.4 Once you have completed the enrolment process, you will be able to access our digital banking services using your personalised user ID together with your password and/or quick response code (QR Code) as the case may be and any other information which we require.

13.5 When you want to perform Card Account balance inquiry, Card Account payment, change of PIN or any selected online transactions or queries through our digital banking services, you will be asked to enter OTP.

13.6 If you request for our services through Citibank Online services, the terms and conditions of our online terms and conditions apply in addition to the terms of this agreement. You can view Citibank Online terms and conditions at www.citibank.com.my.

Getting started with CitiPhone Banking

13.7 When accessing our CitiPhone Banking for the first time, you will need your Card Account or Card number together with any other information we require.

13.8 Once you have completed the enrolment process, you will be able to access CitiPhone Banking using your mobile phone number together with your T-PIN or any other information which we require.

13.9 When you want to transfer money to another bank account within Malaysia through CitiPhone Banking, you will be asked to enter the OTP. The OTP will be sent to you via SMS to your nominated mobile phone number.

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Using our digital banking services and CitiPhone Banking

13.10 You can use our digital banking services and CitiPhone Banking to manage your Card Account, perform a range of transactions and provide or obtain information about your Card Account. Further information is available at www.citibank.com.my.

Availability of our digital banking services and CitiPhone Banking

13.11 Not all services and functions may be available through our digital banking services or CitiPhone Banking at all times. These services may be unavailable due to scheduled outages or factors which are beyond our control, such as your internet or telephone connection.

13.12 There is a risk of unauthorised access to your Card Account. You must take all reasonable steps to protect the security of your access to our digital banking services and CitiPhone Banking. You should regularly check our website www.citibank.com.myfor updated security tips and alerts.

13.13 We will not be responsible if the Electronic Equipment does not accept your instructions or the Card fails to work in the relevant Electronic Equipment save where it is solely caused by our omission, default or negligence.

Phone Banking Terms and Conditions

13.14 In addition to the terms and conditions above, if you:

(a) request the use of our services via telephone, (whether through telephone or other telecommunication services offered by us) (the “Telephone Services”);

(b) have created a T-PIN (i.e. a personal identifying code or number),

the following terms and conditions will also apply:

13.15 We are authorised to act on, and consider as valid and binding on you, any telephone instructions given by any person quoting or keying in:

(a) the title or number of your Card Account and the valid and current T-PIN for your Card Account; or

(b) any personal information in relation to you which you previously gave us.

You agree that the quoting and keying in of such information is sufficient proof that the instructions are authentic.

13.16 We are not obliged to verify the identity or the authority of the person giving the telephone instructions in or purportedly in your name beyond any verification we may

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conduct in accordance with Section 26.24 below. We are not liable for acting on the telephone instructions which are given by the person, regardless of whether the person is authorised to do so, and regardless of the circumstances prevailing at the time of such instructions.

However, we reserve the discretion, as we reasonably deem fit, not to carry out any such instructions if we have any reason to doubt its authenticity or if in our reasonable opinion it is unlawful or otherwise improper to do so or for any other reason.

13.17 We may, as we reasonably deem fit, require you to:

(a) confirm in writing the telephone instructions within the period specified by us, call us to confirm the instructions, provide such other information and/or execute such other documents which we may deem necessary, failing which we may treat such instructions as having lapsed; or

(b) refuse in writing the telephone instructions within the period specified by us, failing which we may treat such instructions as having been confirmed by you.

13.18 Transactions relating to your Card Account requested by you through the use of the Telephone Services will be reflected in your next statement. Upon receipt of the statement, you are deemed to have examined all entries including those requested through the use of the Telephone Services.

13.19 For the avoidance of doubt, all terms and conditions relating to statements of account apply to the extent that they are not inconsistent with the terms and conditions of this provision.

13.20 To the fullest extent permitted by law, we are not liable for any loss arising out of or in connection with the carrying out or failure or delay in carrying out your instructions, save where such loss is caused by any breach or negligence by us.

13.21 We may record and monitor your telephone calls and conversations with us for quality, training and verification purposes. You agree that, subject to any applicable law, we can record conversations between any of our employees and you or any other person you have permitted to operate the Card Account and that we can use the recording (or any transcript of it) in any proceedings in connection with this agreement.

13.22 Further to the above, all documents sent by you and received by us and all other recordings of your instructions are admissible as primary evidence in any civil proceedings between us and you.

13.23 We reserve the right to add to or vary any of the Telephone Services available through telephone or any of the terms and conditions stated here by giving you adequate prior written notice.

13.24 We reserve the right to reasonably cancel or suspend any of the Telephone Services by giving written notice to you.

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13.25 You will pay us all fees and charges which we may impose in connection with the Telephone Services. For details, please visit www.citibank.com.my to view the Fees and Charges table.

13.26 The Telephone Services include checking on the status of your Card Account, making payments and accepting the offers to participate in the products or programmes as may be introduced or implemented by us in relation to the use of your Card.

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Part 2: Specific information about your credit card agreement 14. Unacceptable Transactions and Transaction

Limits

Unacceptable Transactions

14.1 An Unacceptable Transaction is a purchase or other transaction:

(a) that involves a transfer of funds from your Card Account to another account; or

(b) with a merchant in which the Cardholder has an ownership interest (unless the merchant is a company whose shares are listed on a Stock Exchange) or;

(c) made for the purpose of illegal online gambling (other than the purchase of gaming tokens), wagering and/or betting activities or in connection with unlawful activities; or

(d) made for the purposes of investing in shares or other financial products.

14.2 You must not make Unacceptable Transactions. However, if you do, this agreement still applies and you will be liable to pay us amounts owing in respect of them.

15. Additional terms about Interest

Applicable Interest Rates/Finance Charges

15.1 Unless the transaction or amount is part of a Special Promotion, the Interest Rate/Finance Charge that applies to the Current Balance of the Card Account is specified in this agreement (or as otherwise varied by us with notice from time to time). If the transaction or amount is part of a Special Promotion, the Interest Rate/Finance Charge that will apply to that transaction or amount will be the Interest Rate/Finance Charge which we agree with you in relation to that Special Promotion.

15.2 These Interest Rates/Finance Charges are variable and may change.

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15.3 Different Interest Rates/Finance Charges may apply to different customers as stated in Section 5 above on “Interest (Finance Charges)”. This is because we may set the Interest Rate/Finance Charge applying to an individual or group of individuals, based on risk.

Do you have an Interest Free Period and what does it apply to?

15.4 You will not be charged any Finance Charges if you have fully settled the preceding month’s Current Balance in full by the Payment Due Date within an Interest Free Period of 20 days commencing from the date of the current month’s statement. The Interest Free Period from the statement date for new retail transactions is only applicable if you make full payment on the outstanding balance from the previous month’s statement of account by the Payment Due Date.

15.5 For the avoidance of doubt, the Interest Free Period is applicable for retail transactions only (Cash Advances are excluded).

16. Additional terms about payments to your Card Account

How can you make a payment?

16.1 Payments can be made by cash, cheques or direct fund transfer to the Card Account from your Other Bank Accounts or through the Inter-bank GIRO System or otherwise.

How are the payments applied?

16.2 Payment will be applied to settle taxes, followed by the Cash Advance, Monthly Instalments, revolving balance(s) attracting the highest interest rate to the lowest interest rate (and in the case of same interest rate, the order will start from the earliest to the latest transaction date). Payment received will be applied towards settlement of outstanding finance charges (or interest) followed by outstanding principal balance and fees and charges.

Our right to debit your account for certain charges

16.3 We may reasonably debit your Account(s) with the full amount of any charges, fees (including legal fees on a full indemnity basis and stamp duty), costs and expenses, custody charges, interest, Taxes, commission (including brokerage commission) and penalties (collectively, "Charges") payable to us whether in respect of:

(a) your Account(s);

(b) any liability of any nature arising (whether in Malaysia or elsewhere) in respect of your Account(s) or otherwise;

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(c) any financing facilities, loans or overdrafts granted to you and any of its outstanding advances; or

(d) any overdrawn sums on your Account(s).

16.4 Where such monies and charges are payable whether or not in connection with your Card Account(s), any other products and/or services taken by you from the Bank, including any financing facilities, loans or overdrafts, the Bank is requested and authorised to debit all such payments from your Account(s) (if any) by giving you adequate prior written notice and you must ensure that there are sufficient monies readily available in your Account(s).

16.5 In the event you specifically permit payment to be made by check, you must issue the check made payable to Citibank Berhad for [Customer Name] and marked “A/C Payee Only”. In no circumstances will cash cheques be issued.

17. Balance Transfer

17.1 Subject to these terms and conditions, we may offer you our Balance Transfer Plan (“BT”) offered by us. BT allows you to transfer the whole or part of your outstanding balance from any principal credit card account from any Other Licensed Institution (defined below) to any Citibank Card Account held by you. Your outstanding balance with the Other Licensed Institution will be paid on your behalf by us in whole or in part by debiting your Card Account.

17.2 In this section:

(a) "Outstanding Balance" means the outstanding balance (including fees, accrued interest, finance charges and other charges) shown in the latest corresponding statement(s) of account from any principal card account of any credit card held in your name issued by any Other Licensed Institution;

(b) "Other Licensed Institution" means any other banks or banking and finance companies situated in Malaysia licensed under the Financial Services Act 2013, besides us, which issues credit cards; and

(c) "Amount Transferred" means the whole or part of the Outstanding Balance that is actually transferred by us to your Card Account by debiting your Card Account.

17.3 BT is made available to you subject to these terms and conditions. We reserve the right to transfer the whole or part of the Outstanding Balance as applied by you.

17.4 You are only eligible if you have complied with the other terms and conditions of this agreement and you are of good credit standing. Subject to our reasonable discretion, you may be of good credit standing if you have not: (a) defaulted in any payment on Payment Due Date;

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(b) exceeded your respective Credit Limit; and/or

(c) defaulted in any other facilities granted by us.

17.5 You must submit the latest statement(s) of account from the Other Licensed Institution and other documents that we may require.

17.6 If approved by us, we will transfer your Outstanding Balance within 14 days of our receipt of the relevant documents. However, we may postpone or decline processing the transfer on the following grounds: (a) if the Outstanding Balance to be transferred exceeds your available Credit

Limit under your Card Account;

(b) if the Outstanding Balance does not meet the minimum prescribed BT and/or BTI amount (currently at RM1,000);

(c) if you have committed or are suspected of committing any fraudulent or wrongful acts in relation to the use of your Card and/or other facilities or service granted by us;

(d) rejection by fund transfer payment system due to discrepancy in the information received by us (such as the type of identification document submitted during application and the type of identification documents currently in our records differ); and/or

(e) in any event, at our discretion as we reasonably deem fit having regard to the circumstances of your application.

17.7 We will notify you if the application is successful within 14 days of receipt of the application and all relevant documents. If you do not receive such notification, your application has not been successful.

17.8 For the avoidance of any doubt, we will not be responsible for any penalty, fees, interest or any other charges incurred by you to the Other Licensed institution save where any penalty, fees, interest or any other charges are caused by any breach or negligence by us in paying the Outstanding Balance. We will not be responsible for releasing you from your responsibilities towards the Other Licensed Institution (if any).

17.9 The Amount Transferred will be considered to be utilization of your existing available Credit Limit. For the avoidance of doubt, your Credit Limit will be made available to you again upon repayment of the Amount Transferred.

17.10 For the avoidance of any doubt, the Amount will not earn Rewards Points and/or cash rebates even if your Card would normally earn Rewards Points or your Card is a cash-back credit card.

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18. Fixed Payment Options and Other Special Promotions or Citi Credit Card Products

What Fixed Payment Options are available?

18.1 From time to time we may contact you in relation to Special Promotions, including in relation to Fixed Payment Options. A Fixed Payment Option is a feature of your Card product.

18.2 There are four different types of Fixed Payment Options which you may be eligible to apply for from time to time and which we may agree to provide to you. They are:

(a) Quick Cash: This option allows you to draw down an amount from your Credit Card in the form of a cash advance. That cash amount can be provided to you in the form of a cheque or by electronic funds transfer to your nominated bank account (including Other Bank Accounts) subject to a cash advance fee. You then repay that amount and interest relating to it over a number of fixed monthly instalments;

(b) Citi FlexiBill (previously known as “Balance Conversion”): This option allows you to convert part of or all of your outstanding Current Balance which has not passed its Payment Due Date to a fixed monthly instalment plan with applicable interest and other fees. This means that you repay the amount of outstanding Current Balance that you choose to convert and interest relating to it over a number of fixed monthly instalments;

(c) Citi PayLite (previously known as “FlexiPayment Plan”): This option allows you to convert eligible transactions, or a group of transactions, to a fixed monthly instalment plan. This means that you repay the amount of that transaction or group of transactions and interest relating to it over a number of fixed monthly instalments;

(d) Citi PayLite for Banking Transaction: This option allows you to convert eligible banking transactions from your CASA (excluding joint account), to a fixed monthly instalment plan on your Card. The converted amount will be deemed as a form of Cash Advance drawn from your Card (subject to available combined Credit Limit) and will be deposited via electronic funds transfer to your CASA from which the transaction originated. You will then repay the amount of that transaction or group of transactions and interest relating to it over a number of fixed monthly instalments; and

(e) Balance Transfer Instalment (“BTI”): This option allows you to transfer part of or all of your outstanding balance (including fees, accrued interest, finance charges and other charges) as shown in the latest account statement(s) from any principal card account of any credit card held in your name issued by Other Licensed Institution (as defined below) to any Citibank Card Account

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held by you and convert it to a fixed monthly instalment plan with applicable interest and other fees.

18.3 When you enter a Fixed Payment Option, you will agree to:

(a) the Fixed Payment Option Tenure;

(b) the Fixed Payment Option Amount;

(c) the Fixed Payment Option Interest Rate;

(d) the number and amount of monthly instalments that you must pay under the Fixed Payment Option (the "Fixed Payment Option Monthly Instalment"); and

(e) the amount of the monthly repayment.

These will also be sent out in the credit card statements we send you after you enter into the Fixed Payment Option.

18.4 The Fixed Payment Option Amount will be considered to be utilization of your existing available Credit Limit. For the avoidance of doubt, your Credit Limit will be made available to you again upon repayment of the Fixed Payment Option Amount.

Eligibility for Fixed Payment Options

18.5 You may be eligible for the Fixed Payment Options if you have complied with the other terms and conditions of this agreement and you are of good credit standing.

18.6 For the avoidance of doubt: (a) you may be considered of good credit standing if you have not:

(i) defaulted in any payment by the Payment Due Date; (ii) exceeded your Credit Limit and Customer Credit Limit; and/or (iii) you have not defaulted in any other facilities granted by us,

(b) our approval of your application may be subject to, among others: (i) the status of your account; (ii) the status of the transaction at the point of conversion; and (iii) our discretion as we reasonably deem fit in any case.

18.7 There may be certain additional minimum acceptance criteria that you must meet for Fixed Payment Option when you apply.

18.8 You can apply for more than one Fixed Payment Option as long as you qualify for the Fixed Payment Option in accordance with these terms and conditions.

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Information in respect of each Fixed Payment Option

18.9 Under Quick Cash (a form of Cash Advance where you can utilize your available Credit Limit by depositing into your nominated bank accounts (including Other Bank Accounts), up to the Total Cash Limit (see Section 3 “Other limits that apply” on the Total Cash Limit applicable for Cash Advance, which a Cash Advance fee will be charged, and repayment is by way of fixed Monthly Instalments):

(a) you may apply for a Quick Cash at any time by: (i) contacting CitiPhone Banking at any time and making a verbal

application to the CitiPhone Banking Officer; or (ii) making a verbal application to Citibank's telemarketing team; or (iii) applying on Citi Mobile App or Citibank Online; or (iv) any other form we prescribe to make such an application,

(b) if you are eligible, you may draw down an amount from your Credit Card in

the form of cash. Under Quick Cash, which is a form of Cash Advance, the cash amount can be provided to you in the form of a cheque or by electronic funds transfer to your nominated bank account. You then repay that amount and interest relating to it over a number of fixed Monthly Instalments;

(c) the minimum amount eligible for each application is RM1,000. This limit may be varied by us at any time by giving you adequate prior written notice;

(d) the choice of the Citi Quick Cash Tenure is as follows (subject to change by us by giving you adequate prior written notice):

Citi Quick Cash Amount Choice of Citi Quick Cash Tenure

RM1000 and above 6, 12, 18, 24, 30, 36, 48 or 60 months

(e) you must specify in your application, the amount you wish to draw within the

eligible Credit Limit. We may approve the application for the Quick Cash amount specified by you or such lower amount ("Quick Cash Amount”). We are not obliged to notify you of the lower amount prior to approval;

(f) upon approval of your application, the Quick Cash Amount will be deposited into your bank accounts maintained with any bank (which may include a joint account you maintain with any other person), as specified in your application;

(g) you must bear all charges (if any) imposed by the receiving bank in respect of the deposit of the Quick Cash Amount into your bank account. These charges may include commission charges imposed by the receiving bank for clearing the banker's cheque(s) issued by us. We will not be responsible for any error, delay, neglect or omission made by the receiving bank in processing the cheque(s) of the crediting of the Quick Cash amount into your bank account with that bank;

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(h) unless we state otherwise, a Cash Advance fee is payable for the booking of Quick Cash. This non-refundable fee for the Quick Cash Amount (or such other amount we determine for each Quick Cash application) will be debited from your Card Account. For applicable Quick Cash (cash advance) fee, please refer to the Credit Cards Fees and Charges table at www.citibank.com.my;

(i) no reward points or rebates are earned from Quick Cash.

18.10 Under Citi FlexiBill (formerly known as “Balance Conversion” which allows you to convert your current Outstanding Balance or a portion of it which has not passed its Payment Due Date, and repayment is by way of Monthly Instalment):

(a) you are not eligible for any temporary increase in your existing Credit Limit in the next 6 months once the Citibank approves your application for Citi FlexiBill;

(b) in your application for Citi FlexiBill, you must specify to us, the Outstanding Current Balance or a portion of the outstanding Current Balance, which you wish to convert under Citi FlexiBill ("Citi FlexiBill Amount"), provided the Payment Due Date for that outstanding Current Balance has not passed;

(c) Citi FlexiBill does not apply to cash and cash based transactions, instalment amounts payable under other Citibank programmes such as Citibank Easy Pay Plan (EPP), Citi Quick Cash, Citi PayLite, other ongoing Citi FlexiBill instalment, annual fees, carry forward balances and other charges charged by us under this agreement;

(d) the minimum Citi FlexiBill Amount is RM1,000 and must not exceed the available Credit Limit of the Card. We may vary this limit at any time by giving you adequate prior notice;

(e) The choice of the Citi FlexiBill Tenure is as follows (subject to change by us by giving you adequate prior notice):

Citi FlexiBill Amount Choice of Citi FlexiBill Tenure

RM1,000 and above 6, 12, 18, 24, 30, 36, 48 or 60 months

18.11 Under Citi PayLite (previously known as Flexi Payment Plan, which allows you to

convert your unbilled retail transactions into Monthly Instalments):

(a) you must specify in your application to us the individual purchase transaction ("Single Purchase") and/or multiple purchase transactions ("Multiple Purchases") (collectively the "Purchases" and reference to a Purchase is either of them), which you wish to convert under the Citi PayLite ("Citi PayLite Amount");

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(b) the Fixed Payment Option Tenure applicable for Citi PayLite must be stated in your application. The choice of the Citi PayLite Tenure is as follows (subject to eligibility):

Citi PayLite Amount Choice of Citi PayLite Tenure

RM500 (or RM50) and above 6, 12, 18, 24, 30, 36, 48 or 60 months

(c) only Purchases that fulfill these terms and conditions can be converted under

Citi PayLite;

(d) Citi PayLite does not apply to cash and cash based transactions, instalment amounts payable under other Citibank programmes such as Citibank EasyPay Plan (EPP), Citi Quick Cash, Citi FlexiBill, other ongoing Citi PayLite instalments, annual fees, carry forward balances and other charges under this agreement;

(e) the minimum amount eligible for conversion under the Citi PayLite is RM500 for a Single Purchase and an aggregated minimum amount of RM500 in total for Multiple Purchases. Entry amount is lowered to RM50 when this is done via Citibank Online or Citi Mobile App. This limit may be varied by Citibank at any time and from time to time by giving adequate prior notice to you; and

(f) a Purchase can only be converted under the Citi PayLite if the Purchase has been debited to the Card Account but has not been recorded in the current statement of account forming part of the outstanding Current Balance due at the point of the conversion into the Citi PayLite Amount.

18.12 Under Citi PayLite for Banking Transaction, (this option allows you to convert eligible banking transactions on your CASA (excluding joint account) to a fixed monthly instalment plan on your Card):

(a) you must specify in your application to us the individual transaction (“Single Transaction”) and/or multiple transactions (“Multiple Transactions”), (collectively the “Transactions”) which you wish to convert under the Citi PayLite for Banking Transaction ("Citi PayLite for Banking Transaction Amount");

(b) the Fixed Payment Option Tenure applicable for Citi PayLite for Banking Transaction must be stated in your application. The choice of Citi PayLite for Banking Transaction Tenure is as follows (subject to eligibility):

Citi PayLite for Banking Transaction Amount

Choice of Citi PayLite for Banking Transaction Tenure

RM1000 and above 6, 12, 18, 24, 30, 36, 48 or 60 months

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(c) only Transactions that fulfill these terms and conditions can be converted

under Citi PayLite for Banking Transaction;

(d) Citi PayLite for Banking Transaction does not apply to purchases of insurance and investment products, cryptocurrency purchases, gambling, payments of deposits for purchase of vehicle(s) and property(ies), fund transfer to any of your own banking accounts, loans and credit card payments, foreign currency transactions, payments for government services, fines and tax(es). For the full list of transactions excluded, please refer to https://www.citibank.com.my/global_docs/pdf/PayliteforBankingTransactionExclusion.pdf);

(e) the minimum amount eligible for conversion under the Citi PayLite for Banking Transaction is RM1000 for a single transaction. This limit may be varied by Citibank at any time and from time to time by giving adequate prior notice to you;

(f) a Transaction can only be converted under Citi PayLite for Banking Transaction if the Purchase has been debited to your CASA (excluding joint account) at the point of the conversion into the Citi PayLite for Banking Transaction Amount; and

(g) Citi reserves the right to terminate non-eligible transactions stated in 18.12 (d) before tenure expiry with adequate prior notice. . In such circumstance, no early termination fee will be charged, and the converted amount will form part of your Card outstanding balance.

18.13 Under BTI (Balance Transfer via Instalment Plan):

(a) we may also offer you the use of the Balance Transfer Program via Instalment Plan (“BTI”) offered by us. Similar to BT, BTI allows you to transfer the whole or part of your outstanding balance from any principal credit card account from any Other Licensed Institution to any Citibank Card Account held by you. BTI however allows you to convert the Amount Transferred to a monthly instalment plan together with the applicable interest and fees. For applicable fees and charges, please see www.citibank.com.my;

(b) for the purposes of interpretation, the terms set out in Section 17 above shall be read together with this Section 18.12 and “BT” shall be supplanted with “BTI” unless expressly stated otherwise;

(c) for BTI, the Amount Transferred is subject to an effective interest rate as determined by us (“BTI Interest”) throughout the BTI Tenure (as defined below) which is calculated on a reducing balance repayment method;

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(d) the BTI Interest will be calculated based on the actual number of days from the date of approval of the BTI Amount to the next immediate statement cycle date;

(i) for the avoidance of doubt, the first month’s BTI Interest will be calculated based on the effective interest rate and pro-rated on a 365 days and on a 366 days basis in a leap year from the approval date to the next immediate statement cycle date and will be reflected (together with any fees or charges) in the next immediate monthly statement. Thereafter, the first monthly instalment (comprising of principal and interest) payable will be reflected in the subsequent statement;

(ii) the subsequent monthly instalment shall be a fixed amount and consists of both principal and interest where the interest component of each monthly instalment is computed by: Effective interest rate x outstanding principal amount ÷ 12 months. The first and subsequent payment/ instalments form part of the Monthly Minimum Payment which must be settled by you on or before the Payment Due Date. Please refer to the sections below for further information on the Minimum Monthly Payment;

(iii) the first and subsequent payment/instalments form part of the Minimum Monthly Payment you must pay by the Payment Due Date;

(e) any changes to BTI Interest after the approval of your BTI application, the BTI will still be charged with the BTI interest rate locked-in at the point of your BTI approval;

(f) you must select the tenure (“BTI Tenure”) for the repayment of the Amount Transferred together with the BTI Interest in accordance with these terms and conditions. The choice of the BTI Tenure is as follows subject to any changes (or any other period) that we may make by giving adequate prior notice to you:

Amount Transferred Choice of BTI Tenure

RM1,000 and above 6, 12, 18, 24, 30, 36, 48 or 60 months

(g) save for the immediate instalment after the approval date, during the BTI

Tenure, the BTI Amount together with BTI Interest will be billed by way of equal monthly instalments ("BTI Monthly Instalment") and will appear in your monthly statement of account;

(h) the BTI Tenure and/or the BTI Monthly Instalment cannot be varied, extended or modified without our consent;

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(i) BTI Monthly Instalments form part of your Minimum Monthly Payment and must be paid in full by the Payment Due Date;

(j) the Amount Transferred in accordance with the BTI will not earn Rewards Points and/or cash rebates even if your Card would normally earn Rewards Points or your Card is a cash-back credit card.

Additional terms that apply to Fixed Payment Options

18.14 If you and we agree to enter into any of the Fixed Payment Option, the following additional terms and conditions will apply to that Fixed Payment Option:

(a) fees (such as an early termination fee) may apply. You will be given details about additional fees that apply before you enter into a Fixed Payment Option;

(b) while the Fixed Payment Option continues, the Interest Rate that applies to the Fixed Payment Option Balance will be the Fixed Payment Option Interest Rate. Depending on what type of Fixed Payment Option you have, the Interest Rate that applies to the Fixed Payment Option Balance may or may not, be different to the Interest Rate(s) that would have otherwise applied to that amount;

(c) during each Statement Period you must pay, in addition to any other amount due and payable under this agreement, the Fixed Payment Option Monthly Instalment by the Payment Due Date. Please refer to the section below on “Specific Terms applicable for Fixed Payment Options” for further information; and

(d) if you are eligible to earn Rewards Points, you will earn Rewards Points prior to conversion to the Fixed Payment Option. The Fixed Payment Option itself will not earn any Rewards Points, rebates and/or cash back accumulation.

Fixed Payment Option Interest and Monthly Instalments

18.15 Fixed Payment Option Interest is payable on any Fixed Payment Option Amount for the duration of the Fixed Payment Option Tenure. Fixed Payment Option Interest will be computed based on a reducing balance repayment method basis. The effective interest rate will be calculated based on the actual number of days from the date of approval of the Fixed Payment Option Amount to the next immediate statement cycle date.

(a) For the avoidance of doubt, for Fixed Payment Option, the first month’s interest will be calculated based on the effective interest rate and pro-rated on a 365 days and on a 366 days basis in a leap year from the approval date to the next immediate statement cycle date and will be reflected (together with any fees or charges) in the next immediate monthly statement.

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(b) The subsequent monthly instalment shall be a fixed amount and consists of both principal and interest where the interest component of each monthly instalment is computed by: Effective interest rate x outstanding principal amount ÷ 12 months. The first and subsequent payment/ instalments form part of the Monthly Minimum Payment which must be settled by you on or before the Payment Due Date. Please refer to the sections on Minimum Monthly Payment for further information.

18.16 Save for the first month’s interest which will be calculated based on the effective interest rate and pro-rated on a 365 days and on a 366 days basis in a leap year from the approval date to the next immediate statement cycle date, during the Fixed Payment Option Tenure, the Fixed Payment Option and Fixed Payment Option Interest will be billed to your Card Account by way of equal monthly instalments – i.e. the Fixed Payment Option Monthly Instalments and will appear in your monthly statement of account. The Fixed Payment Option Tenure and/or the Fixed Payment Option Monthly Instalment cannot be varied without our consent.

How will payments be applied where you have a Fixed Payment Option?

18.17 By requesting a Fixed Payment Option, payments will still be made in the order stated under Section 16 “How are the payments applied?”.

What happens if a Fixed Payment Option is cancelled?

18.18 Subject to our approval, you can ask us to cancel your Fixed Payment Option at any time or opt for early settlement of the Fixed Payment Option Amount by contacting CitiPhone Banking or such other method as we may reasonably determine from time to time (for instance, in the case of BTI, paying the total of the outstanding BTI Monthly Instalments and total of any unbilled principal of the Amount Transferred).

18.19 Upon such cancellation or early termination of the Fixed Payment Option, unless we inform you otherwise, you must pay us the total outstanding principal under the Fixed Payment Option together with up to 5% of the said total for such early termination or cancellation.

18.20 Without prejudice to the above, if you are in breach of any provisions of this agreement or in the event of termination of the Card Account (whether voluntarily or involuntarily), all monies due under the Fixed Payment Option and any Finance Charge will immediately become due and payable by you. If we reasonably deem fit, we may charge such amounts due to us to your Card Account.

Specific Terms applicable for Fixed Payment Options

18.21 The Fixed Payment Options form part of your Minimum Monthly Payment and must be paid in full on or before the Payment Due Date. As such, the provisions in relation to payment of your Monthly Statement apply, namely:

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(a) if you pay in full all amounts specified as your Current Balance by the Payment Due Date, no Finance Charges will be charged to you;

(b) if you pay less than the Current Balance, this includes when you only pay the Minimum Monthly Payment, any unpaid and/or unbilled Monthly Instalments will be subject to Finance Charges. Finance Charges will be charged to you at the rate specified in this agreement (under Section 5.11) and will be calculated from the date that the sums owed are posted on your Monthly Statement until full payment is received;

(c) if you fail to pay the Minimum Monthly Payment in full by the Payment Due Date, you will be in default (“Instalment Default Payment”);

(d) if you make part payments of the Minimum Monthly Payment, the part payment will be allocated to pay off the balances attracting the highest interest rate to the lowest. If the part payment is not sufficient to cover the balance due under the Services, the part of the balance unpaid will incur Finance Charges;

18.22 In the event of 3 or more consecutive Instalment Default Payments, you must immediately pay to us all monies due and owing under the Fixed Payment Options (including any Finance Charges, the total unbilled principal and all other monies due under the Services).

18.23 You may at any time cancel your participation in any of the Fixed Payment Options by contacting CitiPhone Banking (or such other method we reasonably determine) and apply for early settlement of the Fixed Payment Options (by paying the total amount due to us including any unbilled principal). The cancellation or early settlement will be subject to a reasonable fee unless we state otherwise.

18.24 To the fullest extent permitted by law, we are entitled at any time to reasonably vary the rates, manner and time of payment and/or modes of computation stated here in any manner by giving you adequate prior written notice (for example, to vary the fees or charges rates within such range or rates approved by Bank Negara Malaysia). The manner of notice, time of effect and the effect of such variation would be in accordance with the terms of this agreement.

18.25 The Fixed Payment Option are valid only up till Fixed Payment Option Tenure or any other extended date(s) as we may reasonably specify from time to time for Fixed Payment Option. To avoid doubt:

(a) we are not obliged to extend the Fixed Payment Option Tenure; and

(b) we reserve the right to replace wholly or in part any Fixed Payment Options by another scheme, whether similar or not (subject to your acceptance of the same), or to withdraw it altogether (by notifying you of the same).

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18.26 To the fullest extent permitted by law, we will not be responsible for and we disclaim all liability to any actions, claims, damages, costs, charges and expenses which you may suffer, sustain or incur by reason of your enrolment in the Fixed Payment Options save where the same is caused by any breach or negligence by us.

Other Special Promotions

18.27 In addition to the above, we may agree with you that another kind of Special Promotion applies in relation to an eligible transaction or to all or part of the Current Balance. If we do, you will be given the following (to the extent relevant):

(a) the terms of the offer;

(b) the Interest Rate/Finance Charge that will apply in relation to that transaction or part or all of the balance (including to all related fees and interest). Different Interest Rates/ Finance Charges may apply for different periods;

(c) the number and amount of any applicable payments that need to be made during the term and when they need to be paid. You must pay these repayments by the Payment Due Date; and

(d) any fee which applies in relation to the offer being made.

18.28 Such Special Promotions may include additional products or programmes related to the use of your Card, including offers of promotional rates, reduced rates or interest, interest-free days, instalment or repayment plans or other special terms.

18.29 We may enter into arrangements with third parties (including service providers and merchants) to offer such additional products or programmes on your Card. Applicable terms and conditions of such additional products or and programmes are binding on you as if they had been contained in this agreement and you should read and understand all such terms and conditions before agreeing to the Special Promotions.

18.30 To the fullest extent permitted by law, if there is any conflict between this agreement and the terms and conditions of such additional products or programmes, the terms and conditions of the additional products or programmes will prevail (unless expressly stated otherwise in the terms and conditions governing such additional products or programmes).

18.31 More than one additional product or programme may apply to your Card Account at the same time. We may choose to introduce and terminate any such additional products or programmes at our reasonable discretion by giving adequate prior notice to you.

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19. Additional information about the types of payments you can make from your Card Account

19.1 There are a number of different ways in which you can make payments from your Card Account. Examples include payments that you make directly with a Card (such as when you purchase goods or services from a merchant), interbank fund transfers (GIRO service) and Recurring Card Instructions.

Transactions with Merchants

19.2 You expressly agree that we may disclose to any merchant to whom your Card is presented, or any member institution of Mastercard International, VISA International, and/or American Express or their successors-in-title and assigns or any interested persons, your Card account number (of any new, renewed or replaced Card) and any other information, including your last known address, which may be necessary for the use of your Card or the processing of any transaction effected through the use of your Card.

19.3 Without affecting the above, we are not responsible for:

(a) any refusal by a merchant or member institution of Mastercard, VISA, American Express, and/or other card associations to accept your Card; or

(b) any defect or deficiency in the goods or services supplied to you by any merchant.

19.4 We are not responsible for goods and services purchased with your Card, whether at the merchant’s premises or through any written instructions sent by mail, email or facsimile, telephone order, online internet or any other means by which you have authorised the use of your Card for the purchase of goods and services.

19.5 You agree to settle all disputes directly with the merchant who honoured your Card or the relevant member institution of Mastercard, VISA, American Express and/or other card associations.

19.6 When using any Card, you are responsible to check that the goods or services you intend to purchase, its description and the transaction amount(s) is/are correct before you proceed to input your PIN at a merchant terminal or sign the sales slip or transaction records given to you by merchants or a financial institution or otherwise complete any transaction (including through any computer or mobile device) when you use your Card and before you enter your Security Code (including your PIN or other identifying number (for example, the 3-digit CVV, CVC or CSC number(s) found near the signature strip at the back of your Card)) or password through any electronic banking facility or internet (including through any computer or mobile device). By signing a

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voucher, slip or transaction report or by entering your Security Code or other identifying number or password at an electronic banking facility or internet (including through any computer or mobile device), you are deemed to have accepted that the purchase and transaction amount is correct.

Citibank GIRO Service

19.7 The terms and conditions in this section govern the use of the Citibank GIRO service (as defined below) which are to be read together with these Citi Credit Cards Terms and Conditions, as well as any other rules and regulations binding on us, including the rules, regulations, manuals and/or guidelines of any funds transfer system to which we belong. Please visit our website www.citibank.com.my for more information.

19.8 The following terms and expressions will have the following meanings unless the context requires otherwise:

(a) “Account(s)” means any one or more accounts held by you with us (including checking, savings, time deposit, investment, loan, or Other Bank Accounts, and/or Card Account) to participate or transact through the Inter-bank GIRO System in accordance with the applicable terms and conditions governing them, and as determined by us from time to time with adequate prior written notice to you; which expression will include all joint holders of them Account(s);

(b) “Funds Account” means an account held by you or any third parties maintained with any Participant;

(c) “Funds Transfer Instruction” means the instruction given by you via any Mode to debit funds from either your checking, saving accounts or Card Account maintained with us and to credit into a Funds Account through the Inter-bank GIRO System;

(d) “GIRO” means the Citibank Inter-bank GIRO service effected through the Inter-bank GIRO System;

(e) “Inter-bank GIRO System” means a funds transfer payment system operated by Payment Network Malaysia Sdn. Bhd. (including its successors in title and assigns) to allow you to request your bank to make inter-bank payments or collect payments to either your own account or any third party account(s) maintained with a Participant;

(f) “Mode” means any mode including over-the counter, Citibank Online, CitiPhone Banking or such other mode as may be prescribed and made available by us from time to time;

(g) “Participant” means any bank or financial institution (other than Citibank) licensed under the Financial Services Act, 2013 (as may be amended or superseded from time to time) carrying on banking business or banking and

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finance company business in Malaysia which is a participant to the Inter-bank GIRO System; and

(h) “Statement of Account” means the consolidated statement of account, or statement of account, issued by us every month to you setting out transactions of your Account(s).

19.9 You will be able to access the GIRO service via any Mode and in accordance with the procedures and terms and conditions as may be reasonably prescribed by us.

19.10 The minimum and maximum amount of funds that may be transferred through GIRO will be as prescribed by us and may vary from one Mode of GIRO to another Mode of GIRO through your facilities.

19.11 To use GIRO, you must complete and submit to us the Funds Transfer Instruction in such form as we may prescribe and will include all such information as reasonably required by us. Upon submission of the Funds Transfer Instruction, such Funds Transfer Instruction will be deemed fixed, finalized, effective and binding on you save for fraud or manifest error.

19.12 The duly completed Funds Transfer Instruction received by us will be processed at such designated times on the Business Day on which the instruction was issued, or by the next Business Day, or such other day as at our reasonable discretion with prior notice to you.

19.13 You are responsible to pay all service charges, transaction fees and/or any other amounts imposed by us in respect of the GIRO service. We are entitled to vary such service charges, transaction fees and/or impose additional fees or charges from time to time as we reasonably think fit by giving you adequate prior written notice.

19.14 The processing of the Funds Transfer Instruction by us is also subject to the terms and conditions and/or approval of the Participant with which the Funds Account is maintained.

19.15 You are responsible to nominate and ensure that the Funds Account is a designated account capable for the receiving, payment and/or collection of funds via GIRO. It will be your responsibility and not ours to ensure the accuracy of the particulars of the Account(s) given to any Participant either by you or a third party so as to enable a successful transfer of funds from the relevant Funds Account into the relevant Account(s).

19.16 You are responsible to ensure that your Account(s) have the available funds (and where the context indicates, available Credit Limit or Customer Credit Limit) for transfer at the time of processing of the Funds Transfer Instruction. We are not obliged to carry out any payment instructions unless the Account(s) have sufficient funds (and/or where the context indicates, available Credit Limit or Customer Credit Limit).

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19.17 We are not obliged to inform you of any rejection of any Funds Transfer Instruction. The onus lies with you to ensure that all details and particulars of the Funds Account are accurate and complete.

19.18 We are not obliged to inform you of any receipt of funds through GIRO in your Account(s) upon receipt of the funds or the outcome of any remittance of funds from the Account(s) to the Funds Account. Such information may be obtained by you through CitiPhone Banking or Citibank Online or your statement of account.

19.19 By providing the GIRO service:

(a) to the fullest extent permitted by law, we will not be responsible or liable for any loss, claim, cost, action or damage incurred or suffered by you and/or any third party as a consequence of the use of the GIRO service save where such loss, claim, cost, action or damage is caused by any breach or negligence by us; and

(b) to the fullest extent permitted by law, you will indemnify us against, any loss, damage or embarrassment caused by you and/or anything ordinarily within your reasonable contemplation or control which may include the following situations:

(i) where the other Participant to which the Funds Transfer Instruction has been made to, has delayed, rejected, refused or is otherwise unable to accept such Funds Transfer Instruction;

(ii) where you failed to maintain sufficient funds in the Account(s) to give effect to the Funds Transfer Instruction;

(iii) where you failed to provide us with the timely, complete and correct information for the Funds Transfer Instruction including the particulars of the Funds Account(s);

(iv) where an order of court, governmental directive or regulation or legal requirement directs us to prohibit withdrawals from the relevant Account(s);

(v) the occurrence of any other circumstances such as force majeure or improper handling of payments by a third party preventing the processing of the Funds Transfer Instruction ;

(vi) where there is any destruction or alteration of the Funds Transfer Instruction by you through no fault of ours; or

(vii) where there is any failure to credit the Account(s) with funds arising from instructions received from a Participant through the Inter-bank GIRO System.

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19.20 We reserve all rights to amend these terms and conditions, and to cancel, terminate or suspend the GIRO service from time to time as we reasonably deem fit by giving adequate prior written notice to you, where possible. See Section 25 "Further information about changes we can make to this agreement" below for further information on amendments to these terms and conditions may be effected.

19.21 Our decision on all matters relating to the GIRO service will be final and binding on you save for fraud or manifest error.

Auto-Billing / Recurring Card Instructions

19.22 For the purpose of this Section 19 on “Auto-Billing / Recurring Card Instructions”:

(a) “Service” means the auto-billing service which you may have registered with us or any Merchant in relation to payments due to the Merchant under which, you authorise us to auto-debit your Card of such amount(s) for purposes of making recurring charges to the Merchant on a monthly basis or at other intervals notified to us in writing from time to time; and

(b) “Merchant” or “Merchants” mean the merchants included for the Service from time to time.

19.23 When you give a merchant a Recurring Card Instruction to debit amount to your Card, you authorise us to pay any such amounts and charge them to your account.

19.24 We use reasonable endeavours to debit your account on the days nominated by you for periodic payments but may not always do so do so for instance if the day on which your account is debited is not a Business Day, or if we or another payment system participant cannot process a payment on that day, the debit will usually be made on the next Business Day.

19.25 Before each auto-debit, you must ensure that you have available credit under your Card Account to enable that payment to be made within your Credit Limit.

19.26 If your Card Account does not have sufficient Credit Limit available to cover the amount of the payment we can still, at our reasonable discretion and subject to the terms of this agreement, honour the transaction. By honouring a transaction this may cause your Credit Limit to be exceeded. However, this does not change your Credit Limit and an Overlimit fee may apply. Please see Section 3 “Excess of Credit Limit – Overlimit” for further information on exceeding the Credit Limit.

19.27 Until you cancel your authority or either you or the Merchant(s) informs us that the Service has been terminated, we will be entitled to make settlements or payment of the said recurring charges to such Merchant(s) on good faith so long as we receive billings from such Merchant(s) and you will still be responsible for paying such payments made by us to the Merchant(s). Please retain a copy of your request to change or cancel the Service with a merchant or a service provider. You can challenge

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a transaction if the Merchant(s) or a service provider has not acted in accordance with your instructions.

19.28 If your Card number is changed as a result of replacement Card for reasons such as fraud, lost or stolen card, unauthorized transactions, renewal of expiring card or upgrading of existing card, you must contact the merchant or service provider to change the details of your Recurring Card Instruction for recurring charges to be paid under your replacement Card (i) prior to the next scheduled payment or (ii) within the period of time reasonably specified by us and notified to you in advance (whichever later). Unless you have changed the details as aforesaid or expressly informed us not to transfer your Recurring Payment Instruction, you authorise us, if we reasonably choose:

(a) to provide your replacement Card details to update the Recurring Card Instructions; or

(b) to apply the Recurring Card Instruction to your replacement Card; or

(c) to both paragraphs (a) and (b) above.

19.29 If we do that, your Card Account will continue to be debited in accordance with that Recurring Card Instruction from your replacement Card to ensure the non-interruption of the Service regardless whether you have activated the replacement Card or not.

19.30 If you have not updated the Recurring Card Instruction and have expressly informed us not to transfer your Recurring Payment Instruction, we will not make any payment of the said recurring charges to all or any of the Merchants, in which event you will be responsible for paying the unpaid said recurring charges directly to the Merchant by other means.

19.31 You expressly authorise us to disclose the replacement Card details to the Merchants from time to time for purposes in relation to providing the Service and expressly consent to such disclosure and confirm and declare that no further consent from you is necessary or required in relation to such purposes and we will be under no liability for disclosing such information. This will constitute the consent required pursuant to any statutory or contractual consent for such disclosures.

19.32 To the fullest extent permitted by law, you will indemnify and hold us harmless against all losses, costs, damages, expenses, claims and demands (legal or otherwise including costs on a solicitor-and-client and full indemnity basis) which we may incur or sustain in relation to providing the Service to you and where such losses, costs, damages, expenses, claims and demands have been caused by you and/or anything ordinarily within your reasonable contemplation or control.

19.33 Regardless of the Service and our transferring your existing standing instructions to ensure non-interruption of the Service to you, you remain fully responsible to comply with all terms and conditions existing between the Merchant and you in the relevant

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underlying contract(s) between yourselves and your obligations set out in such contract(s) will continue to be binding between you and the Merchant.

20. Additional information on transactions through your Card

Cash Advance Facility

20.1 You may obtain Cash Advances of an amount that we may decide up to the maximum daily withdrawal limit of RM5,000 or any such other limit as Citibank may reasonably inform you from time to time by giving prior written notice (please visit www.citibank.com.my to view the applicable daily cash advance limit), and up to the Total Cash Limit (see Section 3.19 above on the Total Cash Limit applicable for Cash Advance), by the following means:

(a) presenting your Card at any of our branches or of any member institution of Mastercard, VISA, American Express, and/or other card associations together with evidence of your identification, and signing the necessary transaction record; or

(b) using your Card at any of our ATMs or the ATM of any other bank or financial institution with whom we have an arrangement(s) for the use of the ATMs of the said bank or financial institution (in which case the amount of each advance will be further subject to the applicable daily withdrawal limit imposed by such other bank or financial institution).

20.2 Subject to Citibank’s discretion, the maximum daily withdrawal limit is up to RM5,000 or any such other limit as Citibank may reasonably inform you from time to time by giving you prior written notice (please visit www.citibank.com.my to view the applicable daily cash advance limit). For all inter-country transactions via ATM and/or any member institution of Mastercard, Visa, American Express, and/or other card associations, the exchange rates (if applicable) are the prevailing exchange rates determined by us, as we reasonably deem fit (which determination will be in accordance with Section 12 above on “International and foreign currency transactions”). All such transactions must not violate the laws existing in the country where such transactions are effected.

20.3 Your use of your Card to obtain a Cash Advance is deemed to constitute your agreement to pay interest (Finance Charges) on each Cash Advance and Cash Advance fee as we may prescribe. Interest accrues on each Cash Advance from the date of the advance until repayment in full at the current rate of 1.5% per month (or 18% per annum) or such other rate as we may prescribe.

20.4 A fee is also imposed on the amount of each Cash Advance and charged to your Card Account. For the applicable Cash Advance fee, please visit www.citibank.com.my (which may be revised from time to time with adequate prior written notice to you).

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20.5 Any payments or payment transactions, for example, Inter-bank GIRO System, made by you shall only be considered paid when the Bank has received cleared funds.

20.6 For the avoidance of doubt, any withdrawal of excess credit in your Card Account through the use of your Card will be treated as a Cash Advance. All terms and conditions relating to Cash Advances will apply to such withdrawals of funds.

20.7 Your monthly statement will show the interest that has been accruing on Cash Advance until the date of repayment in full and the Cash Advance fee.

Online or Internet Transactions

20.8 If you use your Card to purchase goods and/or services through online internet sites or portals (including through any computer or mobile device), you are solely responsible for the security of such use at all times. You agree that the entry of your Card information on the internet is sufficient proof that instructions were given for the use of your Card.

20.9 We are under no obligation to verify the identity or the authority of the person entering your Card information beyond any verification we may conduct in accordance with Section 26.24 below. We are not liable for acting on such use of your Card regardless of whether the person who entered your Card information is authorised to do so, and regardless of the circumstances prevailing at the time of the transaction.

20.10 However, we may, as we reasonably deem fit, choose not carry out any transactions over the internet if we have any reason to doubt its authenticity or if in our reasonable opinion it is unlawful or otherwise improper to do so or for any other reason.

21. Citi Rewards Points and PremierMiles

21.1 We may offer you the benefits under Citi ThankYouSM Rewards Programme (as defined in Citi ThankYouSM Rewards terms and conditions respectively - as available on Citibank Online) and/or any other rewards programmes that your Card Account may be eligible for. Please refer the terms and conditions on the Citi ThankYouSM Rewards Programmes if your Card is eligible for this programme.

22. Further information about security and liability for transactions

Liability for all other transactions and amounts

22.1 To the fullest extent permitted by law, you will be liable for all transactions including all retail transaction, cash advances or withdrawal and any amounts charged to your Card Account, as well as any loss suffered or incurred by you where:

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(a) you have not provided us with complete and correct payment information, including without limitation the name, address, Card Account(s) number, and payment amounts for the payee;

(b) you did not correctly use any Electronic Equipment including Citibank Online or CitiPhone Banking;

(c) you do not have sufficient funds in your Card Account to make a funds transfer or payment;

(d) you have made any funds transfer or payment which causes your Card Account balance to go over the Credit Limit or any credit arrangements set up to cover overdrafts in your Card Account;

(e) your transactions have been delayed, blocked, frozen or refused where we have reasonable grounds to believe that they breach Malaysian law or sanctions (or the law or sanctions of any other country);

(f) an order of court against you directs us to prohibit funds transfers or payments from the relevant Card Account;

(g) you have caused your Card Account to be closed or your Card Account (or any funds in it) has been frozen;

(h) other circumstances in which losses, expenses and/or damages have been suffered as a result of anything caused by you and/or anything ordinarily within your reasonable contemplation or control; or

(i) in the case of loss, theft or unauthorized used, the loss suffered or incurred due to reasons under Section 22.5 below.

22.2 Save as provided in Section 22.5 below, you shall be and shall remain liable to us for all transactions effected for all goods and services by any merchants and all Cash Advances or withdrawals, effected through the use of your Card whether or not such usage is authorised by you.

22.3 All charges arising from transactions carried out through your Card, whether authorised or not, including all cash withdrawals and advances, are deemed to have been made by you. You are liable for all such charges once your Card has been delivered to you. For the purposes of this section, unless you have reported loss, theft, unauthorised use of your Card and/or disclosure of your PIN immediately to us or as soon as reasonably practicable to us upon discovering such loss, theft or unauthorised use and/or disclosure of your Security Code (including your PIN), the Bank’s records of any transaction effected through the use of your Card is conclusive and binding on you save for fraud or manifest error (for example fraudulent or wrong entries).

22.4 In addition to the above, to the fullest extent permitted by law, you agree to hold us harmless and fully indemnify us against any liability for loss, damage and expenses (legal or otherwise including costs on a solicitor-and-client and full indemnity basis)

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which we may incur by reason of these terms and conditions or in the enforcement of our rights under these terms and conditions. Such indemnity will be limited to such loss, damage and expenses caused by you and/or anything ordinarily within your reasonable contemplation or control.

Liability for the loss, theft or unauthorised use of your Card

22.5 You will be liable to us in respect of the loss, theft or unauthorized use of your Card if:

(a) you have acted fraudulently (such as by being involved in the procurement of goods or services supplied by any merchant, Cash Advances or ATM transactions effected through the use of your Card and/or PIN by any person);

(b) you have delayed or failed to inform us as soon as reasonably practicable upon discovering that your Card has been lost, stolen, used for purposes unauthorised by you and/or your PIN was disclosed;

(c) you have recorded your PIN on the Card, or on anything kept in close proximity with the Card (which could be lost or stolen with the Card) or you are using a PIN selected from your birth date, identity card, contact number or passport;

(d) you have left the Card or an item containing the Card unattended in places visible and accessible to others (even at the your place of residence, you are expected to exercise due care in safeguarding the Card); or

(e) you have voluntarily allowed another person to use the Card or disclosed your PIN to another person.

23. Additional information about defaults and the consequences

When will you be in default under this agreement?

23.1 We may suspend, withdraw or terminate the Card, Card Account and/or any of the services offered in connection with the use of the Card with prior written notice, even if we may have waived our right on some previous occasion upon the occurrences of any or more of the following events (collectively, “Events of Default” and each an “Event of Default”):

(a) if you fail or default in payment of any sum of money due from you to us at any time under the Card Account;

(b) you or a Supplementary Cardholder have failed to comply with any other terms of this agreement;

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(c) if you are liable to us on any Other Bank Accounts;

(d) if you use your Card for any unlawful activities such as online betting and/or gambling activities;

(e) if you have given any data, information, statements representations and warranties (implied or express) in connection with these terms and conditions or any other agreement or arrangement(s) with us which is incorrect, untrue or misleading in any material aspect when made or if we reasonably believe that you have given such incorrect information at any time;

(f) if you commit or threaten to commit a default or breach of any agreements, covenants, stipulations, terms or conditions set out in these terms and conditions on your part to be observed and performed;

(g) if you leave Malaysia to take up residence elsewhere;

(h) if you die or become insane, been taken into custody, incapacitated or declared by any Court of competent jurisdiction or any appropriate authority to be incapable of administering your affairs;

(i) if you are unable to pay your debts as they fall due or become insolvent;

(j) if you have committed any act of bankruptcy;

(k) if a petition for bankruptcy is presented or any bankruptcy order against you;

(l) if you make or attempt to make any compromise or arrangements with your creditors or any general assignment for the benefit of your creditors;

(m) if any legal proceedings, suit or action of any kind is instituted by or against you in any jurisdiction, or any order is made by any Court of competent jurisdiction or other appropriate authority or any step is taken for your bankruptcy, liquidation or for the appointment of a trustee in bankruptcy, liquidator, receiver, judicial manager or trustee for any part of your assets, revenues or undertaking (whether in whole or part) or a meeting, whether formal or informal being called by your creditors or any of them;

(n) if a distress or execution or other process of a court of competent jurisdiction is levied upon or issued against any of your assets and such distress, execution or other process as the case may be is not satisfied by you within 21 days of such order;

(o) if you allow a judgment debt obtained against you to remain unsatisfied for a period of 7 days from the date of the order (other than judgment debt on which you have obtained a stay of execution and filed a Notice of Appeal within the time prescribed by law);

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(p) if your whereabouts are unknown to us;

(q) if in our reasonable opinion, your Card Account and/or Other Bank Accounts is or has not been operated satisfactorily;

(r) if you wish to terminate the use of your Card;

(s) if it becomes illegal or impossible or Bank Negara Malaysia or other governmental or judicial authority asserts that it has become illegal or impossible for you to perform any obligations or for us to enforce any rights under these terms and conditions, any security document or any other agreement, document or instrument or arrangement between us and you;

(t) if an event has occurred or a situation exists which might, in our reasonable opinion, affect your ability to perform your obligations under these terms and conditions;

(u) if we refuse to issue a replacement Card or renew your Card;

(v) if we decide to cancel or terminate the use of your Card;

(w) if you use your Card for business and/or commercial purposes which we deem unacceptable to be transacted using your Card; and/or

(x) if the performance of any obligation under these Terms and Conditions becomes illegal, impossible or could not be continued due to any requirements on Citigroup Inc. and Citigroup Organisation including us, to comply with the laws or regulations of any jurisdiction, domestic or foreign, or any agreement entered into with or between Authorities that Citigroup is subject to.

What can we do if you are in default?

23.2 If you are in default we will send you a written notice stating that you are in default under this agreement and specifying the consequences of such default. To the extent permitted by law, a written notice sent to your last known address meets the notification requirement under this Agreement whether or not you are contactable. It is important that you keep your personal information up-to-date and complete.

23.3 To the fullest extent permitted by law, if:

(a) any Event of Default has occurred and you do not remedy the Event of Default before the expiry of the time specified in the notice given to you or under these terms and conditions; or

(b) there is an Event of Default that cannot be remedied, upon termination of the use of your Card for any reasons above,

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the whole outstanding balance on the Card Account will become immediately due and payable to us. In addition, all further monies debited to your Card Account after the date of such termination, including all interest, fees and charges incurred before termination will become due and payable upon its entry into your Card Account.

23.4 If we obtain judgment from any Court for any sum owing under these terms and conditions, any interest, finance charge, late payment charge or any other charges payable will continue to be payable from the date of judgment until the date of full payment of such sum of money so adjudged to be payable to us.

23.5 If you have committed any Event of Default or are in breach of a Card Account or any of these terms and conditions, this will result in you being in breach or default of any other of your Card Accounts and/or Other Bank Accounts. If we are entitled to remedies in respect of one Card Account, we are also entitled to such remedies in respect of your other Card Accounts and/or Other Bank Accounts.

23.6 If: Then we may take the following action as we reasonably deem fit depending on the circumstances and significance of the default:

(i) an Event of Default occurs; and

(ii) the Event of Default can be remedied, but you do not remedy the Event of Default within the period of time specified in the notice; or

(iii) at the end of the time specified in the notice, you have remedied that Event of Default but have committed another Event of Default of the same type; or

(iv) the Event of Default cannot be remedied

(a) suspend the use of your Card and Card Account;

(b) close, cancel, terminate or block your Card Account or any Card or Payment Facility, in which event, all provisions in these terms and conditions relating to termination will apply;

(c) refuse to authorise any transaction;

(d) give notice of cancellation, block or refusal to any merchant;

(e) require you to immediately pay all or part of the outstanding balance of your Card Account;

(f) transfer, set off against, combine or consolidate any of your other bank accounts with us toward repaying the outstanding balance and/or any sums owing by you under these terms and conditions – please see the section on “Consolidation of Accounts and Set-Off” below;

(g) reduce your Credit Limit and/or Customer Credit Limit; and/or

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(h) all monies owing under any applicable Fixed Payment Option will immediately become due and payable by you and we may as we deem fit, charge it to the Card Account.

However, we will not combine or set-off your Card Account with any other account maintained by us where the applicable law prevents us from doing so.

Our Right to Outsource Debt Collection or Sell the Defaulted Credit Loan

23.7 You agree that if we may, at our discretion outsource our debt collection rights to third parties and/or sell your defaulted credit loan to a third party by giving you adequate prior written notice.

23.8 You expressly agree that we may appoint an agent (“the Agent”) to collect all sums due and owing to us from you under these terms and conditions and we may disclose to the Agent your Card Account and any other relevant information relating to your Card Account to assist the collection of all sums due and owing to us by you.

23.9 Any notice of such outsourcing and/or sale of defaulted credit loan may be given to you at your last known address as notified to us.

Consolidation of Accounts and Set-Off

23.10 As noted above, in the event of the occurrence of any of the Event or Events of Default, we may, at any time with adequate prior written notice:

(a) combine or consolidate any of your Other Bank Accounts with us (whether located in or outside of Malaysia and whether in Ringgit Malaysia or in any other currency); and/or

(b) transfer or set-off any sums standing in credit in your Other Bank Accounts (whether matured or not and including a joint account with a Supplementary Cardholder and a joint account with any other person),

towards discharge of all sums due to us under any of your account(s) with us even if the credit balances and the liabilities in any or all of your Other Bank Accounts may not be expressed in the same currency.

23.11 You authorise us to make any necessary conversions at our prevailing exchange rates (which will be determined by us at our discretion and as we deem fit in accordance

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with Section 12 above on “International and foreign currency transactions”), if the balances in any or all of your Other Bank Accounts and the sums due are not expressed in the same currency. Further, you authorize us to make any necessary conversions at our own rate of exchange then prevailing at the date of set-off. The consequence of accounts being combined will be that one balance remains and if that is a debit balance, you will remain liable to us for that amount.

23.12 The consequence of set-off is that amounts that you and we owe to each other are reduced by the same amount. We will not exercise these rights so as to cause a liability to become secured if we agree that it would not be secured.

23.13 Notice will be given to you prior to the set-off or consolidation of your accounts.

23.14 In the case of joint accounts,

(a) we may set-off the liabilities of any joint account holder to us on any accounts against the credit balance in the joint accounts; and

(b) where the said sums have been incurred by only one or some (but not all) of the joint account holders, our rights above will also extend to credit balances to which all the joint account holders are singly or jointly entitled.

23.15 Where monies are set-off by us following the exercise of our rights, you undertake that you will not, without first obtaining our prior written consent, withdraw or cause any act that would result in the withdrawal of such monies. We reserve the right to earmark such monies before the setting-off by giving adequate prior written notice to you.

Suspense Account

23.16 To the fullest extent permitted by law, to enable us to preserve the liability of any party, including yourself, once a writ or summons or any originating process has been issued or to prove in your bankruptcy or insolvency or for other reasons as we reasonably think fit or necessary for such purpose, we may place and keep any monies received, recovered or realized under these terms and conditions or any other security or guarantee to your credit, without any intermediate obligation on our part to use such monies to discharge the sums due and owing to us.

Will you be liable to pay enforcement expenses?

23.17 Yes. Enforcement expenses may become payable under the agreement in the event of a breach. If you are in default, we may recover reasonable expenses we reasonably incur in enforcing our rights after you are in default. These would include all legal costs (including costs on a solicitor and client basis), charges and expenses incurred to enforce this agreement or incurred by us in obtaining or seeking to obtain payment of monies owing by you to us.

23.18 We may charge these enforcement expenses to your Card Account and those enforcement expenses will be payable immediately.

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24. Further information about closure, blocking or cancellation of your Card Account or a Card

How can you close your Card Account or cancel a Card?

24.1 You may at any time close your Card Account by:

(a) contacting us or making a request via contacting CitiPhone Banking or by giving prior notice to us; and

(b) paying all outstanding balances (including interests, fees and charges) and any amount of any transactions effected through the use of your Card (whether before or after the termination of your Card), including transactions effected but not yet posted to the Card Account, enforcement expenses and transactions arising from any mail or telephone order schemes, existing standing instructions or otherwise, made or purported to have been made by you to a merchant for the provision of goods and services and charged to the Card Account.

24.2 We will process your request to close your Card Account as soon as is practicable, provided that the balance of your Card Account is zero.

24.3 You may cancel a Card by contacting us or making a request by contacting CitiPhone Banking or by giving prior written notice to us and returning the Card cut in halves or several pieces across the magnetic strip and across the microchip embedded in the Card (if any) at your own cost.

24.4 If you close your Card Account or cancel a Card, you should take steps to notify anyone that you have given your Card Account or Card details to for payment (such as Recurring Card Instructions) so that those requests for payments are not declined.

When can we close or block your Card Account or Payment Facility, or cancel a Card?

24.5 If we have good reason to do so (such as a change in law or where any of the events in Section 24.8 below apply), we may withdraw any of the facilities provided by us in connection with the use of your Card at any time by giving adequate prior written notice to you. In such circumstances, we may terminate the use of your Card if we reasonably deem fit, even if we may have waived our rights on some previous occasions.

24.6 You agree that we are under no obligation to reveal the reason for the withdrawal or termination of the use of your Card and/or any of the facilities provided by us in connection with the use of your Card.

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24.7 For the avoidance of doubt, there will be no refund of annual fee if your Card account is closed, cancelled or terminated for any reasons whatsoever.

24.8 We may also close or block your Card Account, cancel a Card or block or cancel your access to a Payment Facility, at any time, where:

(a) an Event of Default has occurred;

(b) you have not activated your Card within a time frame stipulated by us;

(c) your Card Account has not been used for a period of 24 months or more or any other period as specified by us;

(d) we do not have all the identification information we need;

(e) we reasonably suspect that you or a Supplementary Cardholder has, or may be, involved in a fraudulent or other unlawful activity;

(f) we reasonably suspect that you made a materially false or misleading representation to us;

(g) we reasonably believe that by allowing the Card Account to remain open, a Card active or a Payment Facility to remain available, it may have a materially detrimental effect on our reputation or it may cause you or us loss, breach any applicable law, any regulations, directives or guidelines issued by any relevant authority including BNM, or code of conduct, or breach this agreement where the breach would have a materially adverse effect on you or us; or

(h) we reasonably suspect that a Card, Security Code, Device or Identifier or a process intended to prevent unauthorised transactions has been compromised or security has otherwise been compromised.

24.9 We may, acting with reason, close or block your Card Account, cancel a Card or block or cancel a Payment Facility at any time by providing you with at least 30 days prior written notice save and except where such notice is not possible or not required having regard to the circumstances (for example when there is reasonable suspicion of criminality, breach of applicable laws, non-payment of interests that are due and bankruptcy).

When can we decide not to provide you with further credit?

24.10 For any of the reasons set out in above at Section 24.8, or due to changes to law or to our business, we may decide, by giving you written notice and whether or not you are in default, not to provide you with further credit and where reasonable, may cancel any Card issued to you or a Supplementary Cardholder.

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What happens if your Card Account or Payment Facility is closed or blocked, a Card is cancelled, or we decide not to provide you with further credit?

24.11 If your Card Account is blocked or closed, a Card is cancelled, or we decide not to provide you with further credit in accordance with the terms of this agreement:

(a) your obligations under this agreement continue until you pay us the total amount you owe us (meaning the Current Balance plus any accrued interest, any fees and charges or all amounts due and owing but not yet charged to your Card Account);

(b) you or a Supplementary Cardholder must not undertake any further transactions and we can reject any transactions that you do make after that time;

(c) credit card statements will continue to be given to you and you must pay the Minimum Monthly Payments due each month until the outstanding balance of your Card Account has been reduced to zero; and

(d) where a Card Account is closed or a Card is cancelled, you and any Supplementary Cardholder must cease using the cancelled Card (or Cards) immediately and destroy all relevant physical Cards.

24.12 In addition, you:

(a) remain responsible for all amounts withdrawn from your Card Account; and

(b) must notify anyone that you have given your Card or Card Account details to for payment (such as Recurring Card Instructions) to ensure that those requests for payments are not declined.

24.13 If your access to our digital banking services or CitiPhone Banking is cancelled or blocked, we may refuse any transaction that you or any Supplementary Cardholder initiates through those services.

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25. Further information about changes we can make to this agreement

What changes can we make to this agreement?

25.1 By giving you adequate prior written notice in accordance to Bank Negara Malaysia guidelines or any laws, regulations or directives in force for the time being, we may reasonably vary or change any of these terms and conditions.

25.2 Subject us giving you the requisite prior written notice, we may make the following changes to these terms and conditions for one or more of the following reasons:

(a) changing the Interest Rates/Finance Charges;

(b) changing the amount, frequency, time for payment of or a change in the method of calculation of instalments or minimum repayments;

(c) changing the amount, frequency, time for payment of a credit fee or charge, or impose a new fee or charge;

(d) changing the Credit Limit;

(e) changing the method of calculating or charging interest (including any Interest Free Period);

(f) to comply with any change (including a changing interpretation of) or anticipated change in any relevant law, code of practice, guidance or general industry practice;

(g) to reflect any decision of a court or decision or guidance of an ombudsman or regulator;

(h) to reflect a change in our systems of procedures including for security reasons;

(i) as a result of changed circumstances (including by adding benefits or new features);

(j) to respond proportionately to changes in the cost of providing credit (including by changing Interest Rates/ Finance Charges); or

(k) to make them clearer.

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25.3 Such variation applies on the effective date specified by us in accordance with the applicable laws and Bank Negara Malaysia guidelines and will apply to all outstanding balance in your Card Account, among others.

25.4 In line with our commitment to upgrade your Card’s services and benefits, we may also review and/or revise any of the features and benefits listed in any brochures printed by us or appearing on our website.

How and when will you be notified if we make changes to your agreement?

25.5 Notice by us may take any written form. Any variations or changes to these terms and conditions are deemed to have been incorporated into these terms and conditions and have been drawn to your attention by:

(a) their being displayed at any of our offices or branches nationwide;

(b) their inclusion in your monthly statement;

(c) a notice of the amendments and variations being sent to you;

(d) being advertised or advertisement in one issue of a daily national newspaper addressed to the general public;

(e) posting on our website; or

(f) any other mode which we deem sufficient in accordance with the applicable laws and Bank Negara Malaysia guidelines.

25.6 For the avoidance of doubt, the absence of notice of termination from you and the retention or use of your Card after the effective date of any variations or changes to the terms and conditions is deemed to constitute acceptance of such variations, revisions or changes by you without any reservation.

25.7 If, following notice of the proposed changes to your agreement, you decide you no longer wish to use your Card Account, you must terminate the use of your Card by contacting CitiPhone Banking or giving prior written notice to us, before the effective date of such proposed variation. The provision relating to termination above will subsequently apply, followed by you cutting your Card it into halves or several pieces

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across the magnetic strip and the microchip embedded in the Card (if any) so that those components are completely damaged.

26. Additional information you need to know

Privacy

26.1 We have a privacy policy and a credit reporting policy that covers how we manage and handle your data and information. Please visit https://www.citibank.com.my/privacyEng/PDPA_Eng.pdf and refer to Section 26.8 below.

Disclosure of your information

26.2 You expressly agree that:

(a) the Bank;

(b) the Bank’s head office, branches, representative offices; and

(c) Citigroup, any agents and persons to whom Citigroup outsources the performance of its operational functions (including, without limitation, any Third Party Service Provider) and/or who provides any services, whether within or outside Malaysia and any Payment Infrastructure Provider),

are permitted to process, including but not limited to disclose, collect, use, store, transfer and share Data.

26.3 For the purposes of the above, “Data” means public and non-public information from any source about:

(a) you;

(b) your beneficial owners;

(c) any security providers;

(d) persons under the trust;

(e) partners, committee members, directors and officers (where applicable);

(f) authorised signatories;

(g) the subsidiaries, affiliated or associated companies of, or related entities controlled directly or indirectly by you and any of their respective branches and offices, wherever situated and their respective beneficial owners, security providers, persons under the trust, partners, committee members, directors, officers or authorised signatories; and

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(h) any of your and/or security provider’s accounts, transactions and dealings with Citigroup or any other party.

26.4 The purposes for which Data is collected and further processed depends on the nature of your relationship with Citigroup and the products and services you obtain from Citigroup. Purposes for which Data may be used include:

(a) to verify your identity and background;

(b) to establish a relationship between you and Citigroup;

(c) to assess and process applications for products and services;

(d) to conduct credit checks, evaluate and monitor credit worthiness;

(e) for evaluation and due diligence purposes;

(f) for servicing you and the provision of products and services to you, including processing of receipts and payments, ATM services, Citibank Debit & ATM cards, credit cards, charge cards and other payment instruments;

(g) for communicating and fulfilling marketing offers to you and to allow Citigroup and selected parties to promote their products and services, but for purposes of disclosing your personal data to our strategic alliance partners for marketing and promotional purposes, we will only do so if you expressly consent to us doing so;

(h) to manage our business and your relationship with us including managing and maintaining your Account(s) with us;

(i) for data processing purposes;

(j) to evaluate and monitor of products and services;

(k) to respond to inquiries, requests and complaints from you and to resolve disputes;

(l) for deposit insurance purposes;

(m) to understand your needs and offer products and services to meet those needs;

(n) for research and development of products and services for your use;

(o) for debt collection purposes;

(p) for enforcement of our rights and obligations of other parties to us and/or Citigroup;

(q) for assessing, processing and investigating insurance risks and claims;

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(r) to enable a party to evaluate any actual or proposed assignment, participation, sub-participation, and/or novation of our rights and/or obligations;

(s) to meet legal and regulatory requirements;

(t) to maintain and protect our offices and automatic teller machines (ATM);

(u) for risk management, including prevention, detection and investigation of crime, including fraud and any form of financial crime;

(v) to maintain records of instructions whether through phone recording, via electronic, hardcopy or softcopy documents etc;

(w) for such other purposes as permitted or required by applicable law or with your consent; and

(x) for all other purposes incidental or associated with the above.

26.5 You understand and agree that:

(a) the Data may be transferred to, used and stored in other jurisdictions, the laws of which may not offer the same level of protection as the laws of the jurisdiction from which the Data originates. The Data may also become subject to the legal disclosure requirements of other jurisdictions;

(b) Citigroup any agents and persons to whom Citigroup outsources the performance of its operational functions (including, without limitation, any Third Party Service Provider) and/or who provides any services, whether within or outside Malaysia and any Payment Infrastructure Provider are permitted to transfer, share and disclose the Data, for confidential use, for the purposes set out above to:

(i) and among Citigroup;

(ii) any agent, contractor, vendor, service provider, professional advisers (such as lawyers and financial advisers), valuers, auctioneers, auditors, brokers, communications, clearing or payment system or intermediary banks, merchants and other parties which we, Citigroup or such parties above may use in connection with our, Citigroup or their businesses;

(iii) debt collection agencies;

(iv) BNM and any credit bureau, the Central Credit Reference Information System (“CCRIS”) and the Dishonoured Cheques Information System (“DCHEQS”) maintained by BNM, such body or authority of any jurisdiction, domestic or foreign, having

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jurisdiction over Citigroup, credit reporting agencies and any credit reference agencies;

(v) any financial institution, card association and issue of charge cards, credit cards, debit cards or other payment instruments;

(vi) a drawee bank providing a copy of a paid cheque (which may contain information about the payee) to the drawer;

(vii) any actual or proposed assignee, participant, sub-participant or transferee of any of our rights or obligations;

(viii) to Citigroup and selected parties for the purpose of informing you of products and services which we believe will be of interest to you;

(ix) our strategic alliance partners for marketing and promotional purposes but this will be subject to your express consent;

(x) any party giving or proposing to give any guarantee, indemnity or security to secure your obligations to Citigroup and/or us;

(xi) any person intending to settle any moneys outstanding under any of your Account(s) with us;

(xii) any liquidator, receiver, official assignee or any person appointed under applicable law or court order relating to bankruptcy, liquidation, winding up in respect of any individual or company;

(xiii) such parties as we or Citigroup may be required by legal process or pursuant to any other foreign or domestic legal, regulatory, stock exchange, clearing house or self-regulatory body obligation or request, or agreement entered into by any of them and any governmental authority, domestic or foreign, or between or amongst any two or more domestic or foreign governmental Authorities or other Authorities, including disclosure to courts, tribunals, legal, regulatory, tax and government Authorities, stock exchanges, clearing houses and self-regulatory bodies;

(xiv) any parties authorized by you; and

(xv) such parties as may be permitted or required under the laws of Malaysia,

whether within or outside Malaysia, for any of the purposes set out here.

(c) Citigroup, any agents and persons to whom Citigroup outsources the performance of its operational functions (including, without limitation, any Third Party Service Provider) and/or who provides any services, whether within or outside Malaysia and any Payment Infrastructure Provider may give

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your personal data and where applicable, that of your beneficial owners, persons under the trust, security providers, partners, committee members, directors, officers or authorized signatories, your subsidiaries, affiliated or associated companies of, or related entities controlled directly or indirectly by you and any of their respective branches and offices, wherever situated and their respective beneficial owners, persons under the trust, partners, security providers, committee members, directors, officers or authorized signatories to other parties outside Citigroup, for any use as specified above, including for commercial purposes;

(d) the consequences of giving of your personal data and those of the other persons mentioned above to parties outside of Citigroup.

26.6 You agree that:

(a) Citigroup does not guarantee the security of any information transmitted by or to it through any means of communication or correspondence (including mail, courier service, e-mail or other electronic means (including short message service (SMS));

(b) and you accept the risk that such information may be accessed by unauthorised third parties and/or disclosed by Citigroup and by its officers, employees or agents to third parties purporting to be the intended recipient; and

(c) regardless of the above, you agree that Citigroup will transmit such information to the address or other relevant particulars specified by you, and that such information may not be protected with encryption, password protection or any other form of security from disclosure to unauthorised third parties. You accept the risk that such transmission of information may be received, accessed or disclosed to third parties other than the intended recipient(s).

26.7 To the fullest extent permitted by law:

(a) Citigroup is not liable for any loss or damages (including direct or indirect damages or loss of profits or savings) or liability arising directly or indirectly in connection with any disclosure of information to third parties by Citigroup in the course of its carrying out a transaction or an instruction transmitted by any means of communication or correspondence, where such disclosure arose through physical or electronic interference by a third party who is not our agent or representative; and

(b) you will not hold Citigroup responsible or liable, in contract, tort, equity or otherwise, for any such access or disclosure or for any loss or damages suffered or incurred by you or any third party as a result of any such access or disclosure (save where caused by any breach or negligence by us). Any such liability that we may have is limited to direct damages only. “Direct

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Damages” means actual damages or losses suffered by you or any other party (if caused by us) and shall not include any compensation for special, punitive, indirect, incidental or consequential damages or losses, including but not limited to loss of profits, business or value, whether or not foreseeable.

26.8 You agree to the terms of, and that we may collect, use and disclose Data in the manner and for the purposes as described in Citibank’s Notice and Choice Principle Statement (accessible via https://www.citibank.com.my/privacyEng/PDPA_Eng.pdf) and which is deemed to be incorporated into these terms and conditions.

26.9 You represent and warrant that you have obtained the agreement and consent of all relevant persons, including your beneficial owners, persons under the trust, partners, committee members, security providers, directors, officers and authorized signatories, your subsidiaries, affiliated or associated companies of, or related entities controlled directly or indirectly by you and any of their respective branches and offices, wherever situated and their respective beneficial owners, persons under the trust, partners, committee members, security providers, directors, officers or authorized signatories to carry out the actions described in this Section 26 on “Disclosure of your Information”. You have further provided to these parties the necessary notices and secured the necessary waivers to carry out the actions described in this Section 26 on “Disclosure of your Information” and will in the future provide the necessary notices and secure such necessary consents and waivers in advance of providing the information to Citigroup, any agents and persons to whom Citigroup outsources the performance of its operational functions (including, without any limitation, any Third Party Service Provider) and/or who provides any services, whether within or outside Malaysia and any Payment Infrastructure Provider.

26.10 You agree that your consent in these terms and conditions constitutes your consent for any such disclosure for the purposes of any requirement, whether statutory, contractual or otherwise and whether or not having any force of law.

26.11 You expressly authorize us at any time and from time to time to process including but not limited to access, obtain, verify and/or use any Data or information from any source (including credit reference agencies, credit reporting agencies, BNM, any credit bureau, and/or CCRIS and such relevant Authorities) for purposes of evaluating your (including all the guarantors’ and security providers’, as may be applicable) credit standing in connection to any facility, service or accommodation requested or authorized by you which you have or may have (whether or not with us) or otherwise in relation to any proposed facility, service or accommodation which we may from time to time offer as we may at our reasonable discretion deem fit. You understand that the opening, operation and conduct of your Account(s) and any future facility, service or accommodation applied for by you or granted by us (whether in your sole name or jointly or severally with another or others, presently or subsequently opened) may be reported to DCHEQS maintained by BNM, CCRIS and such relevant Authorities (as the case may be) as we may at our reasonable discretion deem fit (such as where we are required by law or any agreement to do so).

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26.12 Your request, permission and authorization granted in these terms and conditions (including for the disclosure of the Data as provided in or contemplated by these terms and conditions) shall remain in full force and effect (regardless of whether any facility, service or accommodation have been utilized, cancelled or terminated) as long as it may be necessary or required by us or any law and you confirm that no further request, permission or authorization (collectively referred to as “Consent”) is necessary or required in relation to such disclosure.

26.13 Your Consent shall in addition to and shall not affect any other future of existing Consent that may or will be given by you, in relation to the same subject-matter or otherwise.

26.14 To the fullest extent permitted by law, we are entitled (but not obliged) to:

(a) verify or ensure that any Data/information is true, complete and accurate;

(b) update the Data/information; or

(c) notify any relevant person of any changes or updates to the Data/information.

26.15 To the fullest extent permitted by law, no liability to you arises from any disclosure and/or transfer of any Data/information (as contemplated by this Section 26 on “Disclosure of your Information”) under any circumstances for any loss or damage (whether direct or indirect, foreseeable or unforeseeable) and howsoever arising (whether in contract, tort or otherwise), including any loss or damage resulting from:

(a) our or any other person’s disclosure or transfer of the Data/information;

(b) our or any other person’s reliance on the Data/information; or

(c) the Data/information being inadequate, inaccurate, incorrect, untrue, erroneous or misstated for any reason, including:

(i) any of our act or omission or any act or omission of any other person (including any delay in or failure to update or notify of any changes to the Data/information); or

(ii) any technical, hardware or software failure, interruption, breakdown or error,

save where such loss or damage is caused by any breach or negligence by us.

26.16 To the fullest extent permitted by law, you shall fully indemnify us from and against all claims, expenses, legal actions and liabilities which may from time to time be brought against or incurred by us in relation to the disclosure or transfer of any Data/information provided by you and/or caused by you or anything within your reasonable contemplation or control. The amount of such liabilities indicated by us shall be conclusive save where there is fraud or manifest error. This section applies

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whether or not any facility, service or accommodation has been utilized, cancelled or terminated.

Communications

26.17 In this Section,

(a) “Communication” means:

(i) any notice, request, reminder, legal process, telephone call, electronic mail (whether encrypted or not), short message services (SMS) provided by telecommunications providers, or such other means and/or other communication by us to you; and

(ii) any certificate, statement, notice, demand or other communication given by you to us:

AA. via the telephone or CitiPhone Banking (“Telephone Communication”); or

BB. via electronic or digital transmission (“Electronic Communication”);

(b) We may send any Communication to you by leaving it at, or by sending it by prepaid ordinary post to, your last known address (whether within or outside Malaysia and whether such address is a Post Office Box or is a place of residence or business) as may be provided to us or our solicitors;

(c) Regardless of the above, we may also contact you via telephone, electronic mail (whether encrypted or not), SMS provided by telecommunications providers, or such other means, to provide you with account related information (including informing or reminding you about your Card Account payment status). In such cases, the Communication will not bear any signature, and we will not be held liable for any technical, hardware or software failure, interruption, breakdown or errors arising from such communication.

26.18 Any Communication is deemed to have been received by you on the date of delivery if it is delivered by hand; or on the date immediately after the date of posting if sent by post; or on the date of transmission if sent by electronic or digital transmission.

26.19 We have given you the Card Account based on the personal and financial information that you have disclosed to us. You must tell us immediately of any change to your financial situation which will affect your ability to meet your payment obligations under the Card Account.

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26.20 To the fullest extent permitted by law, if it will become unlawful for us to perform any of our obligations under these terms and conditions, we will notify you to this effect whereupon you will upon receipt of such notice pay to us all sums which you owe us.

26.21 Notwithstanding anything to the contrary in these terms and conditions, it is agreed that any certificate, statement, notice, demand or other communication given or required to be given to you may be computer generated in which case it:

(a) need not bear any signature; or

(b) may contain a printed signature.

26.22 Every certificate or statement and every notice, demand or other communication under these terms and conditions must be given:

(a) in accordance with the provisions of any applicable law;

(b) in accordance to the Bank’s rules and regulations; or

(c) in accordance with the provisions of this Section 26 on “Communications”.

26.23 We are authorized by you, but are not obliged, to rely upon and act in accordance with any Telephone Communication and/or Electronic Communication which may be, or purport to be, given by or on behalf of you, without inquiry or verification on our part as to the authority or identity of the person making or purporting to make such Communication.

26.24 The Bank may rely upon and act in accordance with such Communication provided that:

(a) In the case of Telephone Communication, the Phone Banking terms and conditions appearing above will govern such communications and the person making or purporting to make such Communication has:

(i) quoted or keyed in:

AA. the title or number of your relevant account with the Bank and the valid and current personal identifying code or number (if any) for such account or any personal information in relation to you which was previously furnished by you to the Bank; and/or

BB. such information or particulars in accordance with the Bank’s rules and regulations;

or

(ii) satisfied such requirements as may be required by the Bank;

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(b) in the case of Electronic Communication, the person making or purporting to make such Communication has satisfied such requirements as may be required by us or the Bank’s rules and regulations.

26.25 We are entitled (but not bound) to treat the Communication as authentic and valid and fully authorized by and binding upon you, and the Bank is entitled (but not bound) to take such steps in reliance upon such Communication as we may consider appropriate, whether such Communication:

(a) includes Communication to pay money or otherwise to debit or credit any account;

(b) relates to the disposition of any money or documents;

(c) relates to the change of the Customer’s contact details;

(d) purports to bind you to any agreement or other arrangement with the Bank or with any other person; or

(e) commits you to any other type of transaction or arrangement whatsoever, notwithstanding any error or misunderstanding or lack of clarity or details in the terms of such Communication.

26.26 You agree to keep any personal identifying code or number for your Card, Card Account(s) and/or any account(s) with the Bank strictly confidential at all times, and must not disclose or permit it to be disclosed to any person. You must report to the Bank immediately if any such personal identifying code or number has become known to any person. You bear all the consequences arising out of your failure to comply with your obligations under this Section 26 on “Communications”.

26.27 Subject to the provisions on indemnity, and to the fullest extent permitted by law, you agree and undertake to indemnify us and to keep us indemnified against all losses, costs and expenses incurred or sustained by us in connection with our reliance on such Communication given by you via the telephone or via electronic or digital transmission.

26.28 Regardless of anything to the contrary contained in this Section 26 on “Communications”, where there are two (2) or more persons comprised in the expression "you", “your” or “yours”:

(a) any Communication given or required to be given to you in these terms and conditions, and which is given by us to any one or more of such persons, is deemed to be given to (and is binding on) all such persons as though such Communication had been given to all such persons; and

(b) we are entitled (but not bound) to treat any Communication given or required to be given to us in these terms and conditions, and which is given to us by any one or more of such persons, as having been given by all such persons. Such Communication is deemed to have been given by, and is binding on, all such Communication given by all such persons;

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(c) and you hereby confirm and declare that each such person is individually authorized to receive and/or give any and all such Communication from and/or to us on behalf of all such persons.

26.29 Any Communication from you to us is irrevocable and is effective only when received at the address or contact number notified to you.

26.30 Any notice or other document to be given under these terms and conditions by you to us must be in writing and may be given or sent by hand or registered post to us at the address that we may notify to you in the statement sent to you or by any other means deemed suitable by us, or to the address set out below:

By Mail By Hand Customer Correspondence Unit Customer Correspondence Unit Citibank Berhad Citibank Berhad P.O.Box 11725 No. 165, Jalan Ampang 50754 Kuala Lumpur 50450 Kuala Lumpur

Service of Legal Process

26.31 To the fullest extent permitted by law, any notice, request or legal process will be deemed to have been served on you if sent by prepaid ordinary post to your last known address (whether such address is a Post Office Box or is a place of residence or business) as may be provided to us or to our solicitors. Nothing in this section will affect our rights to serve any legal process in any other manner permitted by law.

26.32 Such legal process or document is deemed to have been received by you on the 5th day from the date it is posted.

26.33 Where you do not reside in Malaysia, you undertake to nominate an agent with an address in Malaysia to accept service of any legal process in Malaysia, if requested to do so by us. Such agent must acknowledge in writing to us of its appointment as such agent and service of legal process on the agent will be deemed good service on you.

26.34 For the purposes of this Section 26 on “Service of Legal Process”, “legal process” includes all forms of originating process, pleadings, interlocutory applications of whatever nature, affidavits, orders and such other documents and notices as may be required to be given or served under any legislation or subsidiary legislation.

Telephone Monitoring and Recording

26.35 You authorise us to contact you by telephone about your Card Account. You agree that we may place such telephone calls using automatic dialling, and that such calls are not unsolicited calls.

26.36 We may monitor and/or record telephone calls between you and us. You agree that monitoring and/or recording may be done and that no additional notice to you or additional approval from you is needed. You agree and authorise us to use such

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recordings (or transcript of such recordings) for the purposes of investigation or any legal proceedings.

Electronic Communication

26.37 When you open an account, you consent to receiving statements, notifications, information or documents that we are required to give you in relation to any credit contract you enter into with us, where permitted by law, by electronic communication. This includes, where permitted by law, sending them to your nominated email address, making them available for a reasonable period on our information system for retrieval by electronic communications by you, messaging in mobile apps (Citi Mobile App) and through social media platforms. In this case, paper documents may no longer be given and you must check electronic communications regularly for documents from us.

26.38 You may withdraw your consent to receive communications by electronic communication at any time by contacting Citiphone Banking or by opting-out electronically (if applicable).

Additional Services or Products

26.39 Citibank may in its reasonable discretion:

(a) introduce or provide other products, additional facilities or services to you upon such terms and conditions as Citibank may specify;

(b) furnish you with information relating to and in connection with any investment possibilities, banking and investment products (including unit trusts, treasury and other financial derivatives) in any jurisdiction; and

(c) introduce new methods of procuring transactions which arise in the course of providing banking and other services to you.

At Citibank we endeavor to keep you informed of the latest marketing and promotional offers we feel would be useful and beneficial to you. These include programmes you may find valuable in helping you manage your account such as product or service upgrades, credit line increases and other benefits.

26.40 However, you can choose not to receive these materials should you so desire, by calling CitiPhone Banking – see the section below on “Contact Us” for further information. Please allow 8 to 10 weeks for your request to take effect. If you would like to be reinstated, simply call our CitiPhone Banking officers and we will gladly assist you with your request.

Time of Essence

26.41 Time is of the essence under these terms and conditions.

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Privacy for Consumers at Citi

26.42 Our goal is to maintain your trust and confidence when handling your personal information.

You Have Choices

26.43 As a Citigroup customer, you have the opportunity to make choices. As you consider this, we encourage you to make choices that enable us to provide you with quality products and services that help you meet your financial needs and objectives.

Security of Personal Information

26.44 The security of your personal information is our priority. We protect this information by maintaining physical, electronic, and procedural safeguards that meet applicable laws. 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.

Additional Products Available for Cardholders

26.45 Additional products, instalment plans and Balance Transfer plans for Cardholders which are made available in conjunction with Citi credit cards. For more information, please click on the desired product links below:

(1) Easy Payment Plan

Citi Easy Pay

https://www.citibank.com.my/english/existing-cardmembers/cardmembers-epp.htm?lid=MYENCBLCCLNTLEasyPayInstalmentPlanARAI

(2) Credit Card Instalment Plan

Auto Balance

Conversion https://www.autobalconvert.com.my/

Need more help?

26.46 If you have any questions about your Card or how it operates, please visit our website www.citibank.com.my for more information or help.

Alternatively, you may seek the services of Agensi Kaunseling Dan Pengurusan Kredit, an agency established by Bank Negara Malaysia to provide free services on money management, credit counselling, financial education and debt restricting for individuals.

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In addition, BNM has introduced POWER! Pengurusan Wang Ringgit Anda program. This program provides useful information to encourage prudent money management and financial discipline. For more information or to register for the program, log on to www.akpk.org.my or call 03-26167766.

Contact us

26.47 For more information visit us at www.citibank.com.my.

You can contact us at any of the following numbers:

03-2383 0000 (KL) 04-296 0000 (Penang) 07-268 0000 (JB) 1800-82-1010 (Sabah & Sarawak)

or by writing to our Customer Correspondence Unit, Citibank Berhad, P.O. Box 11725, 50754 Kuala Lumpur, or logging in to Citibank Online at www.citibank.com.my to email us.

26.48 We are here to listen and work with you to resolve any problems or issues. We will make every effort to resolve matters through our complaints resolution process and ask that you give us this opportunity. For any general enquiries or feedback that is non-account related, contact our agents through the link https://chat.citibank.com.my/MY/WebChat/ or through the phone icon which is located on the right hand side of the www.citibank.com.my webpage.


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