Important Hints When Using Your............................ 3 Octopus Citibank Credit Card 1.1 Using your Octopus Citibank Credit Card 1.2 Safekeeping your credit card and personal information 1.3 What to do in case of loss, theft and card captured at ATM 1.4 Reloading your Octopus Citibank Credit Card Benefits and Services ................................................. 6 2.1 Exclusive Citibank Octopus Cash Rebate 2.1.1 Earning Octopus Cash 2.1.2 Redeeming Octopus Cash 2.2 Octopus Rewards 2.2.1 Earning and Redeeming Reward$ 2.2.2 Reward$ Balance Enquiry 2.3 Annual Fee Waiver 2.4 Citibank World Privileges 2.5 Tailored Service for Platinum VISA Cardholders 2.6 Citibank Online / Citigold Online 2.7 CitiPhone Banking / Octopus Enquiry Hotline 2.8 Shopping Benefits 2.8.1 Worldwide Acceptance 2.8.2 Transactions Made Outside Hong Kong 2.8.2.1 Credit Card Transactions 2.8.2.2 Octopus Transactions 2.9 Financial Flexibility 2.9.1 Flexible Repayment Options 2.9.2 Repayment Period 2.9.3 Worldwide Cash Advances 2.10 Lost Card Protection 2.10.1 Total Lost Card Protection 2.10.2 Worldwide Emergency Card Replacement Service 2.11 Promotional Materials Supplementary Cards ................................................ 10 Convenient Payment Options .................................. 10 4.1 Citibank Online / Citigold Online / Citibank ATMs / 24-Hour CitiPhone Banking 4.2 JET Payment 4.3 Payment by Phone or Internet Services 4.4 FlexiAutopay 4.5 Check or Cash 4.5.1 Citibank ATMs 4.5.2 Citibank Branch "Drop Box" 4.5.3 Payment by Mail Sample of Your Monthly Statement ....................... 12 1 2 3 4 5 Contents P.1
Transcript
Important Hints When Using Your............................ 3Octopus Citibank Credit Card
1.1 Using your Octopus Citibank Credit Card1.2 Safekeeping your credit card and personal information1.3 What to do in case of loss, theft and card captured at ATM1.4 Reloading your Octopus Citibank Credit Card
Benefits and Services ................................................. 6
4.2 JET Payment4.3 Payment by Phone or Internet Services4.4 FlexiAutopay4.5 Check or Cash
4.5.1 Citibank ATMs4.5.2 Citibank Branch "Drop Box"4.5.3 Payment by Mail
Sample of Your Monthly Statement ....................... 12
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Contents
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Sign your name here exactlyas it appears on the back ofyour Octopus CitibankCredit Card
Include the correct totalamount in local currency
Name of serviceestablishment you have visited
Your Octopus CitibankCredit Cardaccount number
Time period forwhich yourOctopus CitibankCredit Card is valid
Signature strip -sign immediately
Octopusnumber
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Your Octopus Citibank Credit Card combines both Credit Card and Octopusfunctions.
When you receive your Octopus Citibank Credit Card...• Sign on the back of the card immediately for your protection• Call the Activation Hotline (refer to Citibank Online / 24-Hour CitiPhone
Banking Leaflet) to activate your credit card. You will only receive theOctopus Automatic Add Value Service ("AAVS") Activation Letter afteryou have activated your credit card
• Upon receiving the AAVS Activation Letter, please visit any MTR StationCustomer Service Centre to activate the AAVS function
• The first AAVS reload transaction will be triggered upon your first spendingwith Octopus
1.1 Using your Octopus Citibank Credit Card
Note: any single transaction is either settled by your Credit Card orOctopus function, no transaction can be paid partially by your CreditCard and partially by your Octopus.
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Credit Card Function Octopus Function
CardUsage
• When using Octopus Citibank Credit Card, ensure card returned toyou is yours
• Never sign a blank sales slip• Check your accounts on a regular basis and contact us (i.e. Citibank)
immediately should you encounter any difficulties or irregularities• Do not allow anyone to use your card and your PIN• Don’t leave the ATM until you’ve obtained cash & card back• Don’t hold more than one Octopus or another smartcard over the
Octopus reader at one time for purchases, or for access to residentialor office premises
• When making an Octopus payment, place your card steadily over thereader, hold and wait until there is an indication that the transactionhas been completed and the remaining value is shown on the screenbefore removing your card
Spending Sales Slip• Name correctly printed• Right amount charged• Tips & total amount clearly
stated• Clearly marked currency sign• Sign with valid signature• Obtain copy & keep for
record
Reloading Octopus• Transaction can be completed by
incurring a negative value of up toHK$35
• When the remaining value plus themaximum negative value on yourOctopus is insufficient to settle thefull cost of the transaction, Octopuswill automatically trigger an AAVStransaction (refer to section 1.4)
• Maximum one AAVS per day• Special offers on Octopus provided
by transportation companies orretail merchants are subject to theTerms and Conditions of the relevantcompanies
BalanceEnquiry
Balance Enquiry• Transaction amount and remaining
value will be shown on screen of theOctopus readers and on printedreceipt
• Check your 10 most recenttransactions at any MTR stationsvia Octopus Enquiry Machines, freeof charge. For printouts oftransactions, a fee will be chargedon the customer1
1 A printing fee of HK$3 will be charged by MTR, 7-Eleven and Circle K when you request a printout of your 10 most recenttransactions. For the most recent 40 transactions printout, a fee of HK$100 is charged. When the request is over recent40 transactions, a fee of HK$100 for every four consecutive-day transactions is charged. Such request must be in writingand sent to Octopus' Customer Service Department by fax on 2266 2211 or by mail to 36/F, 148 Electric Road, NorthPoint, Hong Kong, together with the cardholder's proof of identity.
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Important Hints When UsingYour Octopus Citibank Credit Card
1.3 What to do in case of loss,theft and card captured at ATMTo report loss, please immediately call our 24-Hour CitiPhone BankingHotline*.
• Destroy original printed copy of PIN after memorizing it• Don't write down or record the PIN without disguising it• Avoid easily accessible personal numbers, such as residential telephone
number, I.D. card number, or birthday. For security reasons, you areadvised to change your PIN every one to three months. You may visitany one of the Citibank ATMs to choose or change your PIN
• Ensure no one is watching you while you key in your PIN• Citibank staff, Octopus staff or the Police will NEVER request your
PIN via email or telephone. You are ONLY required to key-in your PINwhen you proactively access Citibank Online at www.citibank.com.hk,24-Hour CitiPhone Banking Hotline*, or an ATM
• If your PIN is lost or known by another person, please immediatelycall our 24-Hour CitiPhone Banking Hotline* to report the case
• Don't use shared computer or device for online banking• When requested, ensure genuine need & requesting source reliableTo minimize unauthorized access• Promptly update any change in personal details with us to prevent
Octopus Citibank Credit Card information being sent to wrongaddress and/or fall in the wrong hands
• Participating service establishments may carry Card Center-requiredsecurity practices each time you use your Card. You may sometimesbe asked to verify your identity or confirm your transaction /purchase. This phone check protects your account against fraud
Do not• Bend, write on, scratch, tap, cut or paste stickers or photos on your Card• Place your Card near coins, studs, zippers, or other smartcards• Put your Card in your back pocket, as the microchip on the card
can be damaged• Hold any electronic equipment, such as digital diaries, near or together
with your Card over a reader at one time
Upon successful report loss of a principal and/or supplementary card,all cards sharing the same credit card account number will be blockedfor security and replacement card(s) will be issued.
1.2 Safekeeping your credit card andpersonal information
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Credit Card Transactions Octopus Transactions
CustomerLiability
Liability ceases immediately afterreport loss if:• You have taken reasonable care
in safeguarding your Card• Notified Citibank via 24-Hour
CitiPhone Banking Hotline* assoon as reasonably practicable
You are liable for PIN relatedtransactions if you have revealedPIN to another person.
Customer bears loss arising fromunauthorized use of Octopus byothers ( inc lud ing AAVStransaction) for the first 6 hoursafter successful report loss
RemainingValue
The remaining value stored onthe lost Octopus 6 hours aftersuccessful report loss (eitherpositive or negative except zerovalue) will be refunded andposted into the PrincipalCardholder's credit card account.This will be reflected on themonthly statement within 2months after successful reportloss.
* For any enquiry, please feel free to call the 24-Hour CitiPhone Banking:
All Cardholders 2860 0333
Platinum Cardholders only 2860 0360
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PIN(personalidentificationnumber)
CardProtection
PersonalInformation
You may apply for supplementary cards for family members, relativesor friends, who are 16 years old or above, whose Cards will beautomatically linked for AAVS to the Principal Cardholder's creditcard account.
Note: Octopus Citibank Credit Card cannot register for studenttransportation privileges until further notice.
1.4 Reloading your Octopus Citibank Credit CardWhen the remaining value of your principal and/or supplementaryOctopus reaches zero, negative, or when its remaining value plus thenegative value is insufficient to settle the full cost of the transaction,AAVS will be automatically triggered. These transaction amounts (i.e.HK$250) will be charged onto your Octopus Citibank Credit Cardaccount.
2 At discretion of individual transport companies or Octopus Authorized Add Value Service Providers, the cash reloadingamount may be in multiples of HK$50.
AAVS Reload Octopus in Person
Procedures • After activating your OctopusCitibank Credit Card, you will receivean AAVS Activation Letter
• Visit any MTR Station Customer ServiceCentre to activate AAVS function
(AAVS cannot be used until you haveactivated your card and activated AAVSat a MTR Station Customer ServiceCentre)
• Reload your Octopus at any MTRStation Customer Service Centre, AddValue Machines, Octopus AuthorizedAdd Value Service Providers by cashin multiples of HK$1002
ImportantNotes
• Maximum stored-value limit ofHK$1,000 at any time
• Octopus can be automatically reloadedonly once a day
• AAVS will be triggered when theremaining value plus the maximumnegative value on your Octopus isinsufficient to settle the full cost of thetransaction
• Auto reload amount is HK$250• Reloaded amount will be posted to your
Octopus Citibank Principal Credit Cardaccount after every AAVS transaction,which will be clearly shown in yourmonthly statement
• No restrictions on AAVS linkage. Youand supplementary cardholders canapply for this Card regardless of thenumber of existing AAVS with differentparticipating financial institutions
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2.1 Exclusive Citibank Octopus Cash Rebate
2.1.1 Earning Octopus Cash
With Octopus Citibank Credit Card, you can spend with yourcredit card (including AAVS and retail spending) to enjoy 0.5%Octopus Cash rebate on all credit card spending for offsettingAAVS transaction(s).
• Octopus Cash is accumulated in the Principal Cardholder'scredit card account
• Your earned Octopus Cash will be accumulated and displayedin Octopus Cash Summary Box on your statement (pleaserefer to Statement Sample in section 5)
2.1.2 Redeeming Octopus Cash
• Octopus Cash will be automatically credited to your monthlystatement upon meeting the following requirements:- Minimum rebate carried over from previous month > HK$5
Octopus Cash- At least one AAVS transaction is made from the Account
and posted to the current monthly statement• You will only be able to redeem carried over Octopus Cash
from previous month
2.2 Octopus RewardsOctopus Citibank Principal / Supplementary Credit Cardholders areautomatically enrolled into the Octopus Rewards Programme. You willreceive Reward$ from Octopus Rewards Partners and offers fromOctopus Rewards Limited and Octopus Rewards Partners.
With your Octopus Citibank Credit Card, you can earn Reward$ issuedby Octopus Rewards Partners whether you pay by credit card, Octopus,or by other acceptable payment methods. Reward$ can be earnedat the rate of at least 0.5% of your spending# at designated RewardsPartners.# Minimum spending for earning Reward$ is HK$2. Reward$1 will be earned for any purchase value of HK$200.
2.2.1 Earning and Redeeming Reward$• Each principal and supplementary card will earn Reward$
individually and separately3
• You can redeem your earned Reward$ at any designatedOctopus Rewards partner outlets
• Reward$1 is always worth at least HK$1 worth of goods andservices at Octopus Rewards partners outlets
• Please visit www.octopusrewards.com.hk for the latestOctopus Rewards Partners list and promotion offers
2.2.2 Reward$ Balance Enquiry
You can check your Reward$ balance on the payment receiptfrom Octopus Rewards Partners or at any Octopus RewardsStation* throughout Hong Kong.* Please visit www.octopusrewards.com.hk for details about Octopus Rewards Station.
2.3 Annual Fee WaiverPrincipal and Supplementary Cardholders can enjoy permanentannual fee waiver.
Benefits and Services
3 When the Card malfunctions or is successful report loss, any remaining Reward$ after 6 hours successful report loss will betransferred to their replacement card(s) within two weeks. Please collect the recovered Reward$ within 15 to 30 days fromthe new card issuance date at any Octopus Rewards Station, otherwise the Reward$ will be forfeited without notice.
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2.4 Citibank World PrivilegesA world-class global privilege program that provides access to localand overseas privileges, discounts and personal services, including:• Hotel Privileges at first-rate hotel groups• Global Shopping / Dining Privileges and Discounts
For details, please visit www.citibank.com.hk/worldprivileges orcall the 24-Hour CitiPhone Banking 2860 0333.
2.5 Tailored Service for Platinum VISA CardholdersAs a Platinum VISA Cardholder, you now have your own personalconcierge service 24 hours a day to help you with just about anytask, question or problem.In addition, when traveling overseas, emergency medical, legal andtravel assistance is only a phone call away from you and your family.Your spouse and dependent children under 22 (under 26 if they arefull-time students) are covered when traveling with you.Call the VISA Platinum Concierge Service Hotline on:800 900 781 (Chinese) / 800 901 869 (English, Chinese)From overseas call +612 9235 0260 (collect call).You can also enjoy unparalleled year-round offers by visiting thewebsite at www.visaplatinum.com.hk.Remark: For details, please refer to the 24-Hour InternationalEmergency Directory enclosed.
2.6 Citibank Online / Citigold OnlineManaging your account has never been quicker or easier. Simply useyour Octopus Citibank Credit Card / Citicard and ATM PIN to log ontoCitibank Online / Citigold Online4 and you can:• Check your transaction history up to the last business day• View your e-statement and enroll for the e-Statement Reminder
Service• View your latest Octopus Cash rebate summary instantly• Apply for Travel Insurance and Citibank Credit Card Balance ProtectorPlease visit www.citibank.com.hk to logon today.
2.7 CitiPhone Banking / Octopus Enquiry HotlineIf you have any enquiries about your Octopus Citibank Credit Card,please call the 24-Hour CitiPhone Banking:All cardholders 2860 0333Platinum cardholders only 2860 0360When you are overseas and wish to speak directly to our CitiPhoneOfficers in Hong Kong, you can call the 24-Hour CitiPhone Bankingtoll-free from over 40 countries around the world at any time of the day.Remark: For details, please refer to the 24-Hour International Emergency Directory enclosed.
If you have any enquiries about Octopus related issues, please call:Octopus Customer Hotline 2266 2222Octopus Rewards Customer Hotline 3690 1313
2.8 Shopping Benefits2.8.1 Worldwide Acceptance
You and your Octopus Citibank Credit Card are welcome atover 10 million establishments in around 200 countries.Remarks: If your Octopus Citibank Credit Card is not readily accepted at any VISAestablishment and you are asked to use an alternative method of payment, or topay an additional fee if you use your Octopus Citibank Credit Card, please informus by calling the 24-Hour CitiPhone Banking 2860 0333.
4 Applicable to Cardholders who are Citigold Customers only.
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2.8.2 Transactions Made Outside Hong Kong
2.8.2.1 Credit Card TransactionsTransactions made in currencies other than HongKong dollars are converted from the transactioncurrency into Hong Kong dollars at a wholesalemarket rate selected by VISA from within a rangeof wholesale market rates on the conversion day.
2.8.2.2 Octopus TransactionsTransactions made in Macau follow the exchangerate for Macau Pataca (MOP) to Hong Kong dollarsat MOP1: HKD1.Transactions made in Shenzhen, follow the exchangerate Renminbi (RMB) to Hong Kong dollars set byindividual merchants. The payment amount in HongKong dollars is rounded to the nearest decimal placeafter the conversion. The exchange rate is clearlyshown on signage displayed by merchants in theiroutlets and transaction amounts in both RMB andHong Kong dollars are printed on the paymentreceipts. Customer enquiries regarding currencyconversion matters should be directed to themerchants.
You are not required to pay your account in full. Each monthyou can pay any amount between the established minimummonthly payment and the entire balance. If you pay less thanthe full balance, a finance charge calculated on daily basis atthe rate as specified in the Octopus Citibank Credit CardAgreement will be levied to your account.
2.9.2 Repayment PeriodYou normally have a minimum of Statement Date plus 26 daysto make payment on your Octopus Citibank Credit Card account,notwithstanding payment can be made at any time on orbefore the Payment Due Date. If the Payment Due Date is noton a business day (a day other than Saturday, Sunday, or publicholiday on which banks are open for general business in HongKong), the exact Payment Due Date will be set on the previousbusiness day.
2.9.3 Worldwide Cash Advances5
You will be provided with a Personal Identification Number(PIN) within 7 days of receiving your Octopus Citibank CreditCard. With your PIN, you can use your Octopus Citibank CreditCard to obtain cash up to your Cash Advance Limit at thefollowing locations:• All Citibank branches and ATMs in Hong Kong• Nearly 370,000 ATMs around the world, including JETCO,
VISA/PLUS. That's more than any other credit cards – justlook for the following symbols:
In the event that you forget or misplace your PIN, please callthe 24-Hour CitiPhone Banking 2860 0333. We'll be happy tore-send the old PIN to you or issue you a new one.
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5 A fee will be charged to the account for this service. Please refer to the enclosed Octopus Citibank Credit Card Agreementfor details.
2.10 Lost Card Protection
2.10.1 Total Lost Card Protection
If your principal and/or supplementary card is lost or stolen,report it immediately to the police and 24-Hour CitiPhoneBanking 2860 0333. You will be protected from total liability6.Upon successful report loss, all cards (principal andsupplementary cards) sharing same credit card account numberwill have credit card function and Octopus function to beblocked, which cannot be cancelled or reversed. Replacementcard(s) will be issued.
• Upon successful report loss, the remaining value of eachprincipal and/or supplementary Octopus Citibank CreditCard's Octopus function (6 hours after successful reportloss) will be posted into your replacement principal creditcard account within 2 statement cycles
• Upon successful report loss, each credit cardholder (i.e.principal and supplementary cardholder) may recover theirrespective Reward$ from Octopus Rewards Stations 2 weeksfrom replacement card issuance date. Please collect therecovered Reward$ within 15-30 days from the new Cardissuance date at any Octopus Rewards Station, otherwiseit will be forfeited without notice
Note : the same procedures for recovering Octopus remainingvalue and Reward$ apply to replacement and renewal card.
2.10.2 Worldwide Emergency Card Replacement Service
To report your card as lost or stolen in Hong Kong, call the24-Hour CitiPhone Banking 2860 0333 any day of the year.A new card will be issued to you by Citibank (Hong Kong)Limited, once you have notified us of this loss or theft.
• The remaining statement balance will be transferred to yournew Card
• You will be auto-enrolled for AAVS and Octopus RewardsProgramme upon card issuance
• You will receive an AAVS Activation Letter after your creditcard activation
• Remaining balance from your lost Octopus (after 6 hoursof successful report loss) will be transferred to your newCard
• Remaining Reward$ from your lost Octopus will betransferred to your new Card upon your visit to the OctopusRewards Stations 2 weeks from the new Card issuance date(please visit www.octopusrewards.com.hk for details)
When you are overseas and wish to speak directly to ourCitiPhone Officers in Hong Kong, you can call the 24-HourCitiPhone Banking Hotline toll-free from over 40 countriesaround the world at any time of the day.
Remark: For details, please refer to the 24-Hour International Emergency Directoryenclosed.
6 Exclude cash advance transactions. Customers will also be liable for Octopus and Octopus Rewards transactions within6 hours after successful report loss. For details, please refer to the enclosed Octopus Citibank Credit Card Agreement,Automatic Add Value Agreement and Terms and Conditions of The Octopus Rewards Programme.
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Each supplementary cardholder (aged over 16 years) shares the sameaccount number and credit limit as yours. To apply, simply complete andreturn the enclosed application form with the copy of the card applicant'sidentification document.
• Supplementary and Principal cardholders will be jointly liable fortransactions made with Credit Card and Octopus functions
• Supplementary cardholders’ credit card spending earning Citibank OctopusCash Rebate will be consolidated on Principal Cardholder’s credit cardaccount
• Supplementary cardholders will earn Octopus Reward$ individually
2.11 Promotional Materials• If you choose not to receive marketing materials from Citibank,
please inform Citibank in writing in case of such a request (FaxNo.: 2968 4127 or GPO Box 3463)
• If you choose not to receive marketing materials from OctopusCards Limited ("OCL"), please inform OCL in writing in case ofsuch a request (Fax No.: 2266 2211 or PO Box 38170, Hing Fat StreetPost Office)
• If you choose not to receive marketing materials from OctopusRewards Limited ("ORL") or Octopus Rewards Partners, pleaseinform ORL in writing in case of such a request (Fax No.: 2266 2211or PO Box 38170, Hing Fat Street Post Office)
Each month you will receive a statement clearly listing the transactionsyou made with your Card. Please refer to the monthly statement samplein Section 5.
For your convenience, you can choose from a range of payment methodsto settle your monthly statement.
Supplementary Cards
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Convenient Payment Options 4
4.1 Citibank Online / Citigold Online /Citibank ATMs / 24-Hour CitiPhone BankingIf you are a Citibanking or Citigold Customer, you can transfer fundsfrom your account to settle payments through Citibank Online,Citigold Online, Citibank ATMs and 24-Hour CitiPhone Banking2860 0333. For details, please visit www.citibank.com.hk.
4.2 JET PaymentYou can access your bank account via JETCO ATMs in Hong Kongthat bear JET Payment logo to settle your Octopus Citibank CreditCard payment anytime, anywhere.
4.3 Payment by Phone or Internet ServicesPayment by Phone Services or Internet (PPS) allows you to settleyour Octopus Citibank Credit Card account by transferring fundsfrom any designated bank account in Hong Kong using a tone phoneor at www.ppshk.com anywhere, anytime, free of charge. Simplyopen a PPS account through a PPS Terminal with your ATM card.Then, you can register, and pay into your Octopus Citibank CreditCard account from any tone phone. Our PPS merchant code is 15.
4.4 FlexiAutopayFlexiAutopay saves you time and eliminates the risk of missing yourpayment due date. To use this convenient service, all you need is a HongKong Dollar savings or current account with any bank in Hong Kong.
To enroll for this service, simply log onto Citibank Online(www.citibank.com.hk) or Citigold Online (www.citigold.com.hk) todownload the FlexiAutopay Authorization Form or complete theenclosed FlexiAutopay Authorization Form and return it to Citibank(Hong Kong) Limited.
4.5 Check or Cash
4.5.1 Citibank ATMs
Now, you can also settle your card payment by check or cash7
at our 24-Hour Citibank ATMs.
4.5.2 Citibank Branch "Drop Box"
Simply seal your check and payment slip in an envelope, anddrop them into the clearly marked "Drop Box" in any of ourbranches at least 2 working days before the payment due date.
4.5.3 Payment by Mail
Simply mail your check and payment slip to Citibank (HongKong) Limited, G.P.O. Box 8776, Hong Kong at least 5 workingdays before the payment due date.
Remarks: 1) For cut-off times, please refer to the enclosed "FlexiAutopay AuthorizationForm"
2) Checks should be made payable to "Citibank (Hong Kong) Limited" for theaccount of your credit card account number.
7 If you settle your card payment by cash, there will be a handling fee per transaction. For details, please refer to theenclosed Octopus Citibank Credit Card Agreement.
